• Tamanna Bisht
• Shrijeet Shandilya
• Dr. Abhijeet Birari

Purpose - Using a sample of consumers that is representative of Indian users, this research aims to experimentally investigate the factors that affect a consumer's attitude toward and intention to use digital wallets. Objectives - 1. To see how users feel about a new technical service, such as the Digital Wallet 2. Researching the elements that affect customer acceptance of digital wallets 3. To research the risks and difficulties users of digital wallets encounter. Design/methodology/approach – 500 smartphone users who also use a digital wallet for online payments received a structured questionnaire. The respondents were divided into groups according to their gender, age, and occupation. Estimated 400 of the 500 persons that were surveyed answered. Consumers' preferences for online payment methods and the variables influencing those preferences were the focus of the questions. Their options and difficulties using a digital wallet. In order to obtain the statistical outcome from respondents, this study used a tool named SPSS. Findings – The findings demonstrate that a number of elements, including perceived ease of use (PEOU), trust (TR) , security (SEC) , enabling conditions, and lifestyle compatibility (LC), significantly influence customer attitudes and intentions toward using mobile wallets. 15 of the 17 theories that were put out were accepted. Usefulness and trust were strongly influenced by ease of use, but trust, attitude, and intention were significantly influenced by attitude. It was discovered that security and trust are key factors in establishing trust. Research limitations/implications – This study investigates the viewpoint of working professionals and students from major Indian cities. A more comprehensive sample with balanced representation from urban and rural India could expand the results' applicability to more diverse target populations. This study examines data at a certain moment. In light of the rapidly shifting rate of mobile wallet use, a longitudinal study might be carried out. Additionally, it is possible to investigate the inclusion of additional antecedents that have not been covered here, such as relative advantage, perceived benefits, and individual inventiveness. Additionally, more study may be used to examine how demography, including its moderating effect, affects the use of mobile wallets. Practical implications – It is necessary to establish an integrated robust, dependable, and secure infrastructure since security and trust have become crucial factors in determining whether Digital wallets are accepted. To ensure safe and secure transactions, a group think tank composed of important parties (financial institutions, mobile wallet providers, the government, security specialists, etc.) should make recommendations. The results have management ramifications that can direct businesses that provide mobile wallet services to increase usage and adoption of such services. Originality/value – Consumers now have more options for making digital payments thanks to Digital wallets, which also give businesses and marketers more online marketing chances. However, there isn't much information available regarding the use of mobile wallets in India. The study is maybe the first of its kind in India to compare the uptake of mobile wallets using a bigger sample size. The analysis suggests and supports extra constructs that were absent from the original model.

Attitude, Trust, Intention, India, Digital Wallet

"A Melancholy of Anxiety or a New Pave of evolution What is a Digital Wallet?", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.10, Issue 4, page no.a188-a203, April-2023, Available :http://www.jetir.org/papers/JETIR2304026.pdf

"A Melancholy of Anxiety or a New Pave of evolution What is a Digital Wallet?", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.10, Issue 4, page no. ppa188-a203, April-2023, Available at : http://www.jetir.org/papers/JETIR2304026.pdf