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International Journal for Research Trends and Innovation
International Peer Reviewed & Refereed Journals, Open Access Journal
ISSN Approved Journal No: 2456-3315 | Impact factor: 8.14 | ESTD Year: 2016
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Issue: March 2026
Volume 11 | Issue 3
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Impact Factor : 8.14
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| Paper Title: | A Study on Factors influencing on Customers to adopt E-Payment Services Evidence from Bellary District |
| Authors Name: | RUDRA GOWDA B , Dr.ARCHANA H N |
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IJRTI_209483
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| Published Paper Id: | IJRTI2601135 |
| Published In: | Volume 11 Issue 1, January-2026 |
| DOI: | |
| Abstract: | Abstract The rapid expansion of electronic payment (e-payment) systems in India, driven by demonetization, government digital initiatives, and increased internet penetration, has significantly transformed consumer payment behavior. However, adoption remains uneven across regions, particularly in semi-urban districts such as Bellary in Karnataka. This study examines the key factors influencing customers’ perception toward adopting e-payment services in Bellary District, focusing on perceived usefulness, ease of use, security, trust, and risk. Primary data were collected through a structured questionnaire from 150 valid respondents using a convenience sampling technique during April–May 2025. Reliability and validity of the instrument were established using Cronbach’s alpha and KMO measures. Correlation and multiple regression analyses were employed to test the proposed hypotheses. The results indicate that perceived usefulness, ease of use, and security have a significant positive influence on consumers’ perception toward e-payment adoption, with usefulness emerging as the strongest predictor. Conversely, trust and perceived risk were found to have no significant impact. The regression model explains 61.5% of the variance in consumer perception. The findings highlight the importance of enhancing the functional benefits, usability, and security features of e-payment platforms to promote wider adoption in semi-urban regions. The study offers practical insights for policymakers, financial institutions, and fintech service providers aiming to strengthen digital financial inclusion. Future research is recommended with larger samples and additional behavioral variables to improve generalizability. |
| Keywords: | Keywords: E-payment, Consumer Perception, Usefulness, Ease of Use, Security, Bellary District, Digital Payments |
| Cite Article: | "A Study on Factors influencing on Customers to adopt E-Payment Services Evidence from Bellary District", International Journal for Research Trends and Innovation (www.ijrti.org), ISSN:2455-2631, Vol.11, Issue 1, page no.b261-b275, January-2026, Available :http://www.ijrti.org/papers/IJRTI2601135.pdf |
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2456-3315 | IMPACT FACTOR: 8.14 Calculated By Google Scholar| ESTD YEAR: 2016 An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 8.14 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator |
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Published Paper ID: IJRTI2601135
Registration ID:209483
Published In: Volume 11 Issue 1, January-2026
DOI (Digital Object Identifier):
Page No: b261-b275 Country: BELLARY, Karanata, India Research Area: Management Publisher : IJ Publication Published Paper URL : https://www.ijrti.org/viewpaperforall?paper=IJRTI2601135 Published Paper PDF: https://www.ijrti.org/papers/IJRTI2601135 |
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ISSN: 2456-3315
Impact Factor: 8.14 and ISSN APPROVED,
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