• Brijesh Ramkumar Sharma
• Dr Sachin Deshmukh,

Adoption of cashless transaction by society fosters transparency, inclusiveness and host of other documented benefit. For a developing country like India this will usher in, an unimagined metamorphosis. However migration from cash to cashless would not be frictionless and as with any change this change would also be resisted. The resistance to any change has a demographic and a psychographic undercurrent. Unraveling the demographic and psychographic undercurrent would be a prerequisite for any intervention to accelerate the adoption of cashless transaction. A survey was administered using structured questionnaire designed by using the constructs of Technology Readiness Index. 1249 responses were analyzed for assessing the difference of the distribution of the score of various constructs across age and gender. Post analysis it is seen that the distribution of score of all constructs were not same for the demographic variable gender and in some cases for age variable. Pursuant to the finding it can be suggested that a universal intervention program to boost cashless transaction would fall short in achieving the goal. Intervention should be configured as per demographic grouping variable and primacy to gender should be given.

Technology Readiness Index, Innovativeness, Discomfort, Optimism, Insecurity, Kruskall Wallis, Mann Whitney U test.

"Measuring and Comparing the Components of Technology Readiness Index for Adoption of Cashless Transaction in Mumbai – A Quantitative study of Select Demographic Variables", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 1, page no.26-32, January-2019, Available :http://www.jetir.org/papers/JETIR1901B04.pdf

"Measuring and Comparing the Components of Technology Readiness Index for Adoption of Cashless Transaction in Mumbai – A Quantitative study of Select Demographic Variables", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 1, page no. pp26-32, January-2019, Available at : http://www.jetir.org/papers/JETIR1901B04.pdf