#4971. Merchants’ adoption of mobile payment in emerging economies: the case of unorganised retailers in India

July 2026publication date
Proposal available till 17-05-2025
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Journal’s subject area:
Library and Information Sciences;
Information Systems;
Management Information Systems;
Information Systems and Management;
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More details about the manuscript: Science Citation Index Expanded or/and Social Sciences Citation Index
Abstract:
A substantial body of literature shows that in addition to increased convenience, mobile payments may result in greater efficiency and contribute to digital and financial inclusion. Although researchers have paid a lot of attention to individual adoption of mobile payment, few studies investigate mobile adoption by businesses, especially unorganised businesses in developing countries. Using 56 semi-structured interviews with merchants, we highlight an emerging mobile payment ecosystem that includes technology value, regulatory bodies, non-regulatory bodies, and merchant dispositions. This study provides insights into the process of technology adoption by unorganised businesses. This study sheds light on the important link unorganised retailers create between businesses and bottom-of-the-pyramid consumers, as well as between the state and its marginalised citizens, thereby confirming that such retailers are indispensable partners in economic growth and technology-driven inclusion.
Keywords:
Developing countries; inclusion; m-payment adoption; mobile payment; regulatory influence; unorganised retailers

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