A Study on Embracing of Digital Wallet by Consumers

Q3 Engineering

推进技术 Pub Date : 2023-12-01 DOI:10.52783/tjjpt.v44.i5.2666

Dr. C. Lucia Vanitha

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引用次数: 0

Abstract

In today-world, smartphone has become essential part of daily life.Due to technology, mobile users can nowadays use their smartphones to make money transaction or payment by using applications installed in the phone.When smartphones can function as leather wallets, it is called “Digital Wallet” or widely known as “Mobile Wallet”. The present study tries to study the various factors that can affect a consumer’s decision to adopt digital wallet as a mode of online payment. Apart from this, the study also attempt to find out the various risks and challenges faced by users of digital wallet. Objectives: To understand how consumers perceive new technological service namely Digital Wallet To study the factors that influence consumers in adoption of digital To study the risk and challenges faced by consumers in use of digital Method: A structured questionnaire was sent to 150 smart phone users who also use digital wallet for online payment. The respondents were categorised on the basis of gender, age and occupation. Out of 150 people only 132 responded to the questionnaire.The questions were based on consumer’s preference for online mode of payment, the factors affecting their choice and the challenges faced by them while using digital wallet. This research used quantitative method ANOVA in order to get the statistic result from respondents. Conclusion: Digital wallets are quickly becoming mainstream mode of online payment. Shoppers are adopting digital wallets at an incredibly rapid pace, largely due to convenience and ease of use. Tech-savvy shoppers are increasingly demanding seamless, omni-channel retail experiences and looking for solutions that deliver this.

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关于消费者使用数字钱包的研究

在当今世界，智能手机已经成为日常生活中必不可少的一部分。由于技术的发展，移动用户现在可以使用他们的智能手机通过安装在手机上的应用程序进行货币交易或支付。当智能手机可以充当皮革钱包时，它被称为“数字钱包”，或者被广泛称为“移动钱包”。本研究试图研究影响消费者决定采用数字钱包作为在线支付模式的各种因素。除此之外，本研究还试图找出数字钱包用户面临的各种风险和挑战。目的:了解消费者对数字钱包这一新兴技术服务的认知。研究影响消费者采用数字钱包的因素。研究消费者在使用数字钱包时面临的风险和挑战。方法:向150名同样使用数字钱包进行网上支付的智能手机用户发送结构化问卷。受访者按性别、年龄和职业分类。150人中只有132人回答了问卷。这些问题是基于消费者对在线支付方式的偏好，影响他们选择的因素以及他们在使用数字钱包时面临的挑战。本研究采用定量的方差分析方法对被调查者进行统计。结论:数字钱包正迅速成为在线支付的主流方式。消费者正以令人难以置信的速度采用数字钱包，主要是因为它的便利性和易用性。精通技术的购物者越来越需要无缝、全渠道的零售体验，并寻找能够实现这一目标的解决方案。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

推进技术 Engineering-Aerospace Engineering

CiteScore

1.40

自引率

0.00%

发文量

6610

期刊介绍： "Propulsion Technology" is supervised by China Aerospace Science and Industry Corporation and sponsored by the 31st Institute of China Aerospace Science and Industry Corporation. It is an important journal of Chinese degree and graduate education determined by the Academic Degree Committee of the State Council and the State Education Commission. It was founded in 1980 and is a monthly publication, which is publicly distributed at home and abroad. Purpose of the publication: Adhere to the principles of quality, specialization, standardized editing, and scientific management, publish academic papers on theoretical research, design, and testing of various aircraft, UAVs, missiles, launch vehicles, spacecraft, and ship propulsion systems, and promote the development and progress of turbines, ramjets, rockets, detonation, lasers, nuclear energy, electric propulsion, joint propulsion, new concepts, and new propulsion technologies.