• Neha Gupta
• Krati Kulshrestha
• C.P. Sharma

Evolution of payments via cash then cheque then with plain vanilla digital products like plastic cards have to now look upon the payment Application Programming Interfaces (APIs,) as the next generation technology, mobile as the ubiquitous mode, contact less cards, NFC, digital currency. This paper attempts to identify the key determinant of demand for digital financial services using TAM model. It aims to assess the knowledge of people regarding various digital payment modes and find out the preferred means of payments method – Cash, Cards, Mobile APP, Internet based fund transfers. It also compares if knowledge (financial literacy) or price (Benefits), are the key driving force for digital payments. The study found significant effect of Ease of usage on adoption of digital payment services.

DRIVERS OF DEMAND FOR DIGITAL PAYMENT SERVICES IN INDIA - PROBLEMS OR BENEFITS

"DRIVERS OF DEMAND FOR DIGITAL PAYMENT SERVICES IN INDIA - PROBLEMS OR BENEFITS", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 4, page no.838-845, April-2019, Available :http://www.jetir.org/papers/JETIR1904U09.pdf

"DRIVERS OF DEMAND FOR DIGITAL PAYMENT SERVICES IN INDIA - PROBLEMS OR BENEFITS", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 4, page no. pp838-845, April-2019, Available at : http://www.jetir.org/papers/JETIR1904U09.pdf