• Dr. KAMALPREET KAUR

Plastic cards are the neglected innovation as far its research on diffusion and adoption from bankers’ perspective is concerned. The present study tends to fill that gap by analyzing the adoption pattern and diffusion of smart cards in Indian banking Industry. The present study would serve as the roadmap for the regulators to frame polices and guidelines while introducing new technology in the industry which are best suited to customers as well as bankers. While investigating the bank specific variables, the results of the study have capacity to provide authentic and reliable directions to the bankers regarding diffusion and adoption decision. Thus, a comprehensive model has been developed which can assist the bankers to check the rate of success of upcoming innovation within the industry.

Smart Cards, India, Banking, Adoption, Determinants

"Diffusion of Smart Cards in Indian Banking Sector: An Empirical Investigation", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.11, Issue 4, page no.p515-p525, April-2024, Available :http://www.jetir.org/papers/JETIR2404G67.pdf

"Diffusion of Smart Cards in Indian Banking Sector: An Empirical Investigation", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.11, Issue 4, page no. ppp515-p525, April-2024, Available at : http://www.jetir.org/papers/JETIR2404G67.pdf