Digital Rupee Acceptance Dynamics Through the Lens of Theory of Planned Behaviour

This study aimed to examine the acceptance of the digital rupee by assessing the relationship between users’ attitudes, subjective norms, and perceived behavioral control. The theory of planned behavior is used to analyze the influence of users’ intention to accept digital rupees for financial transactions, emphasizing motivations and barriers affecting users’ intention to use digital rupees. Following the stratified random sampling technique, the responses were collected through a structured questionnaire to represent diverse users. Statistical tools, including regression analysis, ANOVA, and t-test, were applied to achieve the research objectives. The study explored the impact of demographic variables in relation to behavior and identified that occupation significantly affects behavior among users. The findings reveal that positive attitudes, subjective norms, and perceived behavioral control significantly influence the acceptance of digital rupees. The research outcomes contribute to the theoretical frameworks of user behavior towards digital currencies, as well as practical insights into the adoption of digital rupees.