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Critical Factors of Mobile Payment Usage in the Unorganized Retail Sector in Kerala

Nisha K. Kumar & Anitha S. Yadav

Vikalpa2025https://doi.org/10.1177/02560909251357663article
AJG 1
Weight
0.41

What the paper says

Mobile payment is gaining prominence worldwide, from consumers to vendors as a substitute to using money, debit or credit cards. This study intends to examine the significant and insignificant factors determining actual usage of m-payments among the unorganised retail vendors. The data was collected from 281 vendors using a structured questionnaire and SEM analysis explained 64.8% of actual usage. The study found that certain psychological beliefs and sentiments of vendors hinders the m-payment adoption. For researchers this study would provide a much deeper understanding of vendor adoption model as mostly all the studies have focused on customer adoption model.

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https://doi.org/https://doi.org/10.1177/02560909251357663

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@article{nisha2025,
  title        = {{Critical Factors of Mobile Payment Usage in the Unorganized Retail Sector in Kerala}},
  author       = {Nisha K. Kumar & Anitha S. Yadav},
  journal      = {Vikalpa},
  year         = {2025},
  doi          = {https://doi.org/https://doi.org/10.1177/02560909251357663},
}

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Critical Factors of Mobile Payment Usage in the Unorganized Retail Sector in Kerala

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Evidence weight

0.41

Balanced mode · F 0.40 / M 0.15 / V 0.05 / R 0.40

F · citation impact0.25 × 0.4 = 0.10
M · momentum0.55 × 0.15 = 0.08
V · venue signal0.50 × 0.05 = 0.03
R · text relevance †0.50 × 0.4 = 0.20

† Text relevance is estimated at 0.50 on the detail page — for your query’s actual relevance score, open this paper from a search result.