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@article{183645,
        author = {Dr Deepu Kumar},
        title = {A Behavioral Analysis of Consumer Perceptions in the Adoption of Contactless Payment Systems in Daily Financial Needs: Evidence from Mysore District.},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {12},
        number = {3},
        pages = {2534-2539},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=183645},
        abstract = {This study investigates the behavioral, demographic, and socio-economic factors influencing the adoption of contactless payment systems in Mysore district, Karnataka. Using a descriptive research design, data were collected from 144 respondents through a structured questionnaire and analyzed using descriptive statistics, ANOVA, and frequency analysis. Results indicate that education and profession are the most significant demographic determinants of adoption, influencing ease of use, perceived security, convenience, and service quality. Behavioral perceptions were largely positive, with high agreement on usefulness, time saving, and social influence as drivers of adoption. However, security concerns and perceived risk remain significant barriers. The findings suggest that targeted digital literacy programs, enhanced security communication, merchant expansion, and government-backed incentives can strengthen adoption in semi-urban contexts. This research contributes to the understanding of digital financial inclusion in tier-2 cities and offers practical insights for fintech providers, policymakers, and retailers aiming to foster a cashless economy in India.},
        keywords = {Contactless payments, consumer perception, behavioral factors, digital financial inclusion, Mysore district, ANOVA, India},
        month = {August},
        }