Brajesh Bolia and Sanjeev Verma
Digital payments instrumentalize the cashless economy and boost economic development. Rapid IT developments fueled e-payments, but the potential of the domain remained latent due to the paucity of an integrated e-payment model. To fill the research gap, the present study proposes an integrated framework based on TPB, TRI, TAM, and Trust model using the PLS tool (SEM PLS3). Findings suggest the significant role of e-readiness, trust, and perceived benefit in driving e-payment adoption. Results reveal the shadowing effect of e-readiness, trust, and perceived benefit on personal factors like self-efficacy and ease of use. Practitioners should instrumentalize secured and hassle-free digital payments to capture a larger market share.