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Examining the drivers and deterrents of mobile wallet adoption among rural consumers

Ankita Kumari et al.

International Journal of Process Management and Benchmarking2026https://doi.org/10.1504/ijpmb.2026.151980article
AJG 1
Weight
0.50

What the paper says

This study seeks to investigate the determinants behind the acceptance of mobile wallets among rural retail consumers. Moreover, it expands upon utilising the TAM and UTAUT framework within the context of mobile wallet adoption. The study collected data from 477 rural retail consumers using purposive sampling. The survey was administered using a structured scale adapted and modified from previous research. partial least square is used to validate the scale and test the hypotheses using SmartPLS 4.0. The findings indicate that the perceived ease of use (PEOU), perceived usefulness (PU), perceived trust (PT), and social influence (SI) significantly positively influence individuals' attitudes toward using mobile wallets. Furthermore, PU, trust, SI, and attitude all significantly positively impact intentions to use mobile wallets. Additionally, attitude plays a positive and significant mediator in the relationship between perceived usefulness and mobile wallet usage intention and between SI and mobile wallet usage intention. The implications are discussed in the respective section.

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https://doi.org/https://doi.org/10.1504/ijpmb.2026.151980

Or copy a formatted citation

@article{ankita2026,
  title        = {{Examining the drivers and deterrents of mobile wallet adoption among rural consumers}},
  author       = {Ankita Kumari et al.},
  journal      = {International Journal of Process Management and Benchmarking},
  year         = {2026},
  doi          = {https://doi.org/https://doi.org/10.1504/ijpmb.2026.151980},
}

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Examining the drivers and deterrents of mobile wallet adoption among rural consumers

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Evidence weight

0.50

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

F · citation impact0.50 × 0.4 = 0.20
M · momentum0.50 × 0.15 = 0.07
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.