Published Online:April 2026
Product Name:The IUP Journal of Accounting Research & Audit Practices
Product Type:Article
Product Code:IJARAP040226
DOI:10.71329/IUPJARAP/2026.25.2.99-128
Author Name:T Swarna
Availability:YES
Subject/Domain:Finance
Download Format:PDF
Pages:99-128
The paper investigates the awareness, usage, and intention to use mobile payment systems among rural consumers in Telangana, India. With a focus on identifying the influence of demographic and behavioral factors, the study provides insights into key enablers and barriers to digital payment adoption in rural settings. A quantitative research design was employed, using a structured questionnaire distributed through convenience sampling to 400 rural consumers aged between 10 and 95 years across Telangana. Data were analyzed using statistical tests, including Chi-Square and correlation analysis. The findings reveal that demographic variables such as age, qualification, and occupation significantly influence awareness, usage, and intention to use e-wallets, while gender and income showed no significant impact in most cases. The study also reports a strong positive correlation between behavioral predictors—habit, government initiatives, social influence (SI), performance expectancy, customer satisfaction, trust in app providers, and effort expectancy (EE)—and the intention to use mobile payment systems.
Smartphones have become an integral part of daily life due to their versatility, portability, and ability to provide quick access to a wide range of services (Sarwar & Soomro, 2013). The convergence of smartphones and high-speed internet has reshaped consumer behavior globally, especially in India, which has one of the largest youth populations. From communication and entertainment to education, banking, shopping, and bill payments, smartphones support a broad spectrum of everyday tasks. The proliferation of mobile applications has further enhanced this trend, with users increasingly relying on digital platforms to conduct financial transactions.