POSITIVE ATTITUDES AND LOW ANXIETY DRIVE DIGITAL PAYMENT USE

The adoption of digital payment systems is influenced by a range of factors, including individual attitudes, anxiety levels, self-efficacy, and age. The present study empirically examines the moderating role of attitude, anxiety, self-efficacy, and uncertainty about aging on the relationship between UTAUT model key determinants and older adults’ intention to use digital payment applications. A telephonic survey was conducted to collect data from 138 older adults across the Indian state of Tamilnadu. Study findings show that older adults with a positive attitude towards using technology believe that digital payment applications are likely to be useful and easy to use, whereas high anxiety levels consider it less likely to be useful. Uncertainty about aging did not show any significant impact over the key determinants of the UTAUT model on behavioural intention. Facilitating environments enhance the adoption of digital payment applications provided requisite facilities and support (technical and family) available to older adults. Low self-efficacy moderates the relationship negatively to performance expectancy and facilitating conditions on behavioural intention.