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@article{191064,
        author = {Dr. Shahina Ismail Bhai Murde},
        title = {An Application of Ism and Mic-Mac Approach to Modelling Factors Influencing the Intention to Adopt Digital Wallets},
        journal = {International Journal of Innovative Research in Technology},
        year = {},
        volume = {12},
        number = {no},
        pages = {772-774},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=191064},
        abstract = {Digital wallets have transformed financial transactions worldwide. This study develops a structured model of factors influencing individuals' intention to adopt digital wallets using Interpretive Structural Modelling (ISM) and MICMAC (Matrix of Cross Impact Multiplications Applied to Classification) analysis. Drawing on technology acceptance, trust, and socio-economic perspectives, the research identifies key drivers—perceived usefulness, perceived ease of use, trust, perceived security, social influence, facilitating conditions, personal innovativeness, perceived risk, and government support—and uses expert judgment to build an ISM-based hierarchical model and MICMAC to classify factors by driving and dependence power. The findings will help policymakers, fintech firms, and researchers prioritize interventions that accelerate digital wallet adoption},
        keywords = {Digital wallet, ISM, MICMAC, Technology adoption, Perceived security, Trust, Structural modelling},
        month = {},
        }