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Sharma, Dipasha
- Exploring Digital Wallet Usage in the Indian Market
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Authors
Affiliations
1 Symbiosis Centre for Management and Human Resource Development (SCMHRD), Symbiosis International (Deemed) University (SIU), Hinjewadi, Pune, Maharashtra, IN
1 Symbiosis Centre for Management and Human Resource Development (SCMHRD), Symbiosis International (Deemed) University (SIU), Hinjewadi, Pune, Maharashtra, IN
Source
International Journal of Banking, Risk and Insurance, Vol 10, No 2 (2022), Pagination: 41-47Abstract
India is taking huge leaps towards digitalisation. The banking industry is at the forefront of this race. Many products like Unified Payments Interface (UPI) have been introduced to give impetus to digital payments. The aim of the study is to explore the actual usage of UPI payments in the Indian market, based on differences in personal traits of the consumers. The data was collected using a web-based questionnaire, from 253 respondents. Personal traits like age, gender, current place of residence, and occupation have been used as the input variables to study the actual usage of UPI payments. The results show that as the age of the respondents increased, there was a decrease in the actual usage of UPI. UPI payments are popular among students, but are less used by government employees, retired people, and housewives. UPI downtime and transaction security negatively impact usage of UPI payments.
Keywords
Keywords: UPI Payment, UPI Application, Personal Traits, Actual Usage, Wallet, Transaction Security, Server Downtime
References
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- Impact of Growth in the Indian Economy and Financial Markets on M&A Deals during the Last Decade
Abstract Views :216 |
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Authors
Affiliations
1 Symbiosis Centre for Management and Human Resource Development (SCMHRD), Symbiosis International (Deemed) University (SIU), Hinjewadi, Pune, Maharashtra, IN
1 Symbiosis Centre for Management and Human Resource Development (SCMHRD), Symbiosis International (Deemed) University (SIU), Hinjewadi, Pune, Maharashtra, IN
Source
International Journal of Financial Management, Vol 12, No 2 (2022), Pagination: 52-64Abstract
The research aims to evaluate the impact of economic and financial markets’ growth on mergers and acquisitions (M&As) during the last decade in India, i.e., from Q-1 of the calendar year 2011 until Q-1 of the calendar year 2021. In recent years, the M&A space has witnessed considerable activity, owing to economic reforms and preference of M&A route by promoters of Indian companies for expansion or bail-out. External data (secondary research) with respect to the growth of financial markets, economy and M&A deals in India has been collected from Bloomberg, IMAA, and NSE. Statistical tools, like the t-test will be used to analyse the impact of independent variables (growth of financial markets and economy) on the dependent variable, viz. M&A deals, over the last decade. Results of the study are expected to validate the positive correlation between economy/financial markets and M&A deals. The results would also help in developing a better understanding of the M&A scenario in India, and how certain changes in the economic and market environment influence it. The paper attempts to determine the degree of impact of GDP growth and financial markets on M&A deals. It would also seek to organise the theoretical context clearly, recognising any new patterns, while essentially being based on the existing important academic theories.Keywords
Mergers, Acquisitions, M&A Deals, Economy, GDP Growth, Financial MarketsReferences
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