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Payments Process Privilege: Leveraging Fintech with TAM

Digital payments have been at the CenterStage of the e-commerce and banking and finance industry for over two decades garnering advocacy and support from government and financial institutions worldwide. India is no exception to this digital transformation. Over the past few decades, the Indian economy has taken substantial steps to embrace this digital revolution and march towards the creation of a cashless digital economy. For a country as huge and diverse as India struggling with poverty and illiteracy initiating this digital transformation, especially in the financial sector has not been easy, however, the rigor and momentum with which digitalization is being pushed especially in the financial sector with the help of Aadhaar the Unique identification number is commendable. This paper explores the Digital transformation of the Indian economy with the help of the Technology Acceptance Model, to understand how India is moving towards embracing a cashless future in the coming years.