DIGITAL PAYMENT AMONG NON-TECHY CONSUMERS

As digital payments become a bigger part of everyday life, there's still a large group of people getting left behind,those who aren’t comfortable with tech. This study looks at how folks who are not that tech-savvy, most especiallyin cities, use (or don’t use) digital payment platforms. Using surveys and face-to-face interviews, we came upwith why adoption is difficult. The study is non-experimental quantitative design utilizing Exploratory FactorAnalysis (EFA) to uncover the primary motivational dimensions. Data were gathered from 150 Non-techyconsumers using a structured questionnaire. The Kaiser-Meyer-Olkin (KMO) Measure of Sampling Adequacyand Bartlett's Test of Sphericity were conducted to assess the suitability of the data for factor analysis.Survey results identified six key dimensions of digital payment among non-techy consumers: Perceived Lack ofBenefit and Preference for Traditional Methods, Accessibility and Digital Divide, Trust and Security Concerns,Technological Anxiety and User Insecurity, Conditional Willingness to Adopt, and Comfort with FamiliarPayment Methods. These dimensions provide a framework for understanding and enhancing everyone’s access tothe benefits of digital finance. Based on these insights, we’ve put together practical tips for policymakers, financialtechnology developers, and service providers to help close this digital gap.