Abstract
Payments bank is the latest inclusion in the Indian digital, paperless, cashless and mobile banking industry. There is hardly any study that examines the factors that affect people's intention to use payments bank services. Therefore, there is an impending need to determine the factors that influence people to use payments bank services. The study integrates the UTAUT3 model and initial trust model (ITM) to determine the constructs of the study. Data analysis reveals that BI directly predicted by PE, EE, SI, FC, HM, PV, habit, PI and initial trust whereas FC, habit, PI, initial trust and BI directly determine UB. The study has significant contributions towards theoretical and practical body of knowledge in the context of financial innovations especially in emerging economies.
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