Abstract
ABSTRACT This study compares the acceptance of technology-based payment among Mom-and-Pop retail (small retailers) owners and consumers, as technology-based payment is still a problem area in emerging markets like India. Four hundred and eight participants in the consumer category and 220 participants in the retail category participated in this study. The acceptance of technology-based payment among Mom-and-Pop store owners and consumers patronising the same in emerging markets such as India is influenced by experience and service charges of the technology-based payment. The Rational-Adoption Theory (R-A theory) is used to explain the comparative study of digital adoption as a mode of payment among owners and consumers by combining the theory of diffusion of innovations and the rational choice theory.
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