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<p>This paper aims to determine the impact of factors affecting digital payment in developing nations, especially India. These factors are level of education (LE), digital skill (DS), uses of the internet (UIN), social impacts (SI), and facilitating condition (FC) of workers in the small industries, especially in the handicraft industry. This study also examines the mediating effect of UIN between level of education (LE), and&#xa0;the use of digital payment (DP),&#xa0;along with moderating effect of digital transaction experience (DTE) on UIN through LE. This study applied an advanced extended Unified Theory of Acceptance and Use of Technology (UTAUT2) and an exploratory survey method to the data collection, with a sample size of 110 respondents. For this study, data was collected from craft industry workers (artisans) in the handmade industry, a part of a small industry. Data were analyzed through the SMART PLS-SEM (partial least square structural equation model) 4.1.0.9. This study used purposive sampling techniques. This was done as most craft industries are located in specific districts in rural areas. The findings of this study show that the level of education, digital skill, use of internet effort expectation, and social impact are factual factors for the benefit of digital payment among artisans. The study will affect SDG8, 8 and SDG 4 along with SDG6, as sanitation also affected by Financial inclusion.The findings supported H1, H2, H3, H5, H6, and H7. Even hypothesis H4 was not supported. As a result, there is no significant relation between digital payment and facilitating conditions. State Bank of India, Reserve Bank, ICICI, HDFC, and other banking providers in India can benefit from the study’s findings along with craft firms that are emerging very fast, which also boost decision-makers' understanding of the elements that positively affect the UTAUT2 model and employee aspirations to use digital payments.</p>

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Factors Influencing Digital Payments and its Association with Digital Transaction Experiences, Level of Education, Digital Skills, Social Factors and Modearting Effect of Internet Usage

  • 期刊论文

  • 发表日期：

    2025年12月5日

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  • Uma Shankar Yadav,
  • Nikhil Yadav,
  • Ajay Kumar Yadav,
  • Vijay Praksh Gupta,
  • Krishanveer Singh,
  • Garima Saxena

摘要

This paper aims to determine the impact of factors affecting digital payment in developing nations, especially India. These factors are level of education (LE), digital skill (DS), uses of the internet (UIN), social impacts (SI), and facilitating condition (FC) of workers in the small industries, especially in the handicraft industry. This study also examines the mediating effect of UIN between level of education (LE), and the use of digital payment (DP), along with moderating effect of digital transaction experience (DTE) on UIN through LE. This study applied an advanced extended Unified Theory of Acceptance and Use of Technology (UTAUT2) and an exploratory survey method to the data collection, with a sample size of 110 respondents. For this study, data was collected from craft industry workers (artisans) in the handmade industry, a part of a small industry. Data were analyzed through the SMART PLS-SEM (partial least square structural equation model) 4.1.0.9. This study used purposive sampling techniques. This was done as most craft industries are located in specific districts in rural areas. The findings of this study show that the level of education, digital skill, use of internet effort expectation, and social impact are factual factors for the benefit of digital payment among artisans. The study will affect SDG8, 8 and SDG 4 along with SDG6, as sanitation also affected by Financial inclusion.The findings supported H1, H2, H3, H5, H6, and H7. Even hypothesis H4 was not supported. As a result, there is no significant relation between digital payment and facilitating conditions. State Bank of India, Reserve Bank, ICICI, HDFC, and other banking providers in India can benefit from the study’s findings along with craft firms that are emerging very fast, which also boost decision-makers' understanding of the elements that positively affect the UTAUT2 model and employee aspirations to use digital payments.