Kumar, Nisha K. and Yadav, Anitha S.  <br/><br/>
Critical factors of mobile payment usage in the unorganized retail sector in Kerala  

 - Vikalpa: The Journal for Decision Makers   
 - 50(4), Oct-Dec, 2025: p.351-388 
<br/><br/> Mobile payment is gaining prominence worldwide, from consumers to vendors as a substitute to using money, debit or credit cards. This study intends to examine the significant and insignificant factors determining actual usage of m-payments among the unorganised retail vendors. The data was collected from 281 vendors using a structured questionnaire and SEM analysis explained 64.8% of actual usage. The study found that certain psychological beliefs and sentiments of vendors hinders the m-payment adoption. For researchers this study would provide a much deeper understanding of vendor adoption model as mostly all the studies have focused on customer adoption model.- Reproduced <br/><br/><br/>https://journals.sagepub.com/doi/full/10.1177/02560909251357663?_gl=1*1yde9s0*_up*MQ..*_ga*MTk2NTMzOTAwMi4xNzczOTg2NDE0*_ga_60R758KFDG*czE3NzM5ODY0MTQkbzEkZzEkdDE3NzM5ODY4NTAkajYwJGwwJGgyMDc5MjE3NzA4 
<br/><br/><label>Subjects--Topical Terms: </label><br/>Digitalization, Digital payments, Unorganized retailers, Technology acceptance model.