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@article{193595,
        author = {Dr. K.B. Sharanya and Dr. M. Arul Raja},
        title = {An Empirical Study on Behavioural Factors Influencing Digital Finance Adoption},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {10},
        pages = {693-699},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=193595},
        abstract = {Digital finance is the route towards attaining financial inclusion and economic development. Digital finance is the lifeline for economic enhancement enabling businesses, and individuals to invest, save, and pay through digital platforms. To boost the growth and adoption of digital finance, government introduced schemes, like India Pay Safe, LTA, and DigiDhan. However, people still resist its usage and acceptance owing to its characteristics and features. But the human characteristics and behaviour also play a vital role in influencing the adoption of any new technology. This study thus focused on gaining an insight and understanding on individual’s behaviour and perception towards digital finance. For this purpose, behavioural factors have been divided into three aspects - cognitive factors, the theory of planned behaviour, and behavioural biases to comprehend the behaviour of individuals in adopting digital finance. The financial industry is dynamic in nature, and the sudden occurrence of the pandemic has led to a sudden shift in the behaviour of individuals. The effect of covid-19 has led to a positive change in the adoption process of digital finance. Therefore, to study the behavioural aspects of individual’s perception in digital finance became empirical. However, it was also necessary to expand the scope of behavioural aspects in the adoption of digital finance and so to get a wider and bigger picture, the study had characterised the users into early and late adopters and had considered the variable as a moderator. This can contribute towards development of specific strategies and policies to increase the use of digital finance among individuals.},
        keywords = {Digital Finance Adoption, Financial Inclusion, Behavioural Factors, Early and Late Adopters},
        month = {March},
        }