Downloads: 0
Research Paper | Economics | Volume 15 Issue 3, March 2026 | Pages: 1039 - 1043 | India
Antecedents of Customer Awareness and their Impact on Adoption Intentions of Fin-Tech Payment Applications
Abstract: Fin-tech payment applications have revolutionized India?s payment ecosystem by merging financial services with cutting-edge digital technologies. These platforms offer users fast, secure, and convenient payment solutions, contributing significantly to the nation?s transition toward a cashless economy. Their rapid adoption in recent years has been driven by increased smartphone penetration, widespread internet connectivity, proactive government initiatives promoting digital transactions, and evolving consumer preferences- trends that were further accelerated during the COVID-19 pandemic. However, despite their availability and the strong push toward digitization, a considerable segment of potential users remains hesitant or under-utilizes these applications. This gap highlights that mere access to technology does not necessarily translate into adoption. Instead, customer decisions are influenced by multiple antecedent factors, including perceived ease of use, trust in the platform, perceived security, tangible benefits, and the influence of peers and social networks. These factors contribute to shaping customer awareness, which plays a mediating role in determining a user?s intention to adopt fin-tech payment services. This research aims to systematically identify and analyze the antecedent factors that foster customer awareness of fin-tech payment applications and to evaluate how such awareness impacts adoption intentions. A structured questionnaire will be employed for primary data collection, targeting diverse demographic and socioeconomic user groups. The study will apply statistical techniques examine relationships between variables and test the proposed conceptual framework.The findings are expected to provide valuable insights into consumer behavior in the context of digital financial services. By understanding the pathways through which awareness translates into adoption, stakeholders- including fin tech companies, policymakers, and financial institutions- can develop targeted strategies to enhance user engagement, address trust and security concerns, and ultimately promote broader financial inclusion in India?s rapidly evolving digital economy.
Keywords: Fin-tech payment applications, Customer awareness, Antecedent factors, Adoption intentions
How to Cite?: Dr. S. Gayathri, Kunal Dhumal, Sakshi Sonawane, "Antecedents of Customer Awareness and their Impact on Adoption Intentions of Fin-Tech Payment Applications", Volume 15 Issue 3, March 2026, International Journal of Science and Research (IJSR), Pages: 1039-1043, https://www.ijsr.net/getabstract.php?paperid=SR26309154404, DOI: https://dx.dx.doi.org/10.21275/SR26309154404