Unfolding the Emerging Trends in Non-performing Assets with Special Reference to the Energy Sector in Banking Industry

Sharma, Pooja; Sharma, Vikas; Jangir, Kshitiz; Gupta, Munish; Pathak, Nitin

doi:10.1007/978-981-19-8963-6_37

Cited by 5 publications

(1 citation statement)

References 12 publications

Supporting

Mentioning

Contrasting

Order By: Relevance

“…Compatibility with the new technology, CBDC, can explain this behavior logically. People frequently model their actions after those they admire, including the products and brands they choose (Sharma et al 2023a). Social influence has a powerful impact on user behavior and can drive the spread of products, behaviors, and ideas (Yang et al 2012).…”

Section: Social Influencementioning

confidence: 99%

Does Previous Experience with the Unified Payments Interface (UPI) Affect the Usage of Central Bank Digital Currency (CBDC)?

Gupta

Taneja

Sharma

et al. 2023

JRFM

Self Cite

View full text Add to dashboard Cite

In this study, we examined the influence of users’ experiences with the unified payments interface (UPI) system on the usage behavior of central bank digital currency (CBDC) in India. Our research developed a novel conceptual framework that investigated the relationships between technology, cognitive factors, and behavioral intentions towards CBDC use. The framework integrated UPI usage experience as a moderator within existing models of behavioral intentions and use behaviors. We collected data through a survey conducted in major Indian cities during the pilot launch of CBDC. By utilizing a partial least squares structural equation model (PLS-SEM), we analyzed the proposed model and the relationships between the constructs. Our findings revealed the significant impact of hedonic motivation and performance expectancy on users’ behavioral intentions towards CBDC. Social influence also played a significant role in CBDC usage. Furthermore, we identified that prior UPI usage negatively moderated the relationship between performance expectancy and behavioral intention, as well as the relationship between social influence and use behavior. However, prior UPI usage did not significantly moderate the relationships between perceived risk, hedonic motivation, behavioral intention, and use behavior. These findings contribute to our understanding of the factors influencing CBDC adoption and usage behavior in India.

show abstract

Section: Social Influencementioning

confidence: 99%