Authors: Ananta Prasad Nanda, Dr Krishna kumar veluri, Dr Dhananjay Beura
Abstract: Digital payment platforms have transformed financial transactions in India, yet the proliferation of misinformation poses significant challenges to user trust and sustained adoption. This study investigates the drivers, barriers, and continuance intention of digital payment platform users in Odisha. Data were collected from 394 respondents using a structured questionnaire and analysed through descriptive statistics, correlation analysis, regression, and hypothesis testing. Results indicate that perceived ease of use, trust, and social influence significantly enhance continuance intention, while misinformation-related barriers negatively affect user behaviour. The findings provide actionable insights for fintech companies and policymakers to improve user confidence and encourage the sustained adoption of digital payment platforms.
DOI: https://doi.org/10.5281/zenodo.19048326
