Digital Payment and Its Discontents: Street Shops and the Indian Government's Push for Cashless Transactions
Digital Payment and Its Discontents: Street Shops and the Indian Government's Push for Cashless Transactions
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DOI：
10.1145/3173574.3173803
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发表时间：
2018-04
期刊：
影响因子：
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通讯作者：
J. Pal;Priyank Chandra;Vaishnav Kameswaran;Aakanksha Parameshwar;Sneha Joshi;A. Johri
中科院分区：
文献类型：
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作者：
J. Pal;Priyank Chandra;Vaishnav Kameswaran;Aakanksha Parameshwar;Sneha Joshi;A. Johri
2016年11月，印度政府禁止了该国绝大多数纸币，此举被称为“废钞”，其目标是打击腐败，恐怖主义，并最终扩大数字交易。在这项对孟买和班加罗尔的200名店主的研究中，我们发现现金短缺增加了数字支付的采用，但在新钞票上市后，数字支付下降了。数字支付的采用取决于交易的性质和范围、销售的产品类型以及企业主特有的个人因素，例如对其他数字技术和在线交易的舒适度和熟悉程度。利用市场和信息行为的理论工作，我们研究了环境对技术采用的推动作用，以及普遍的交易实践、信任和控制。我们建议，向数字支付的转变必须在推动这些举措的技术驱动的现代化的更大事业中进行，而不仅仅是数字支付目前的效率或生产力提高。
In November 2016, the Government of India banned the vast majority of the nation's banknotes in a move referred to as 'demonetization', with the stated goals of fighting corruption, terrorism, and eventually expanding digital transactions. In this study of 200 shop-keepers in Mumbai and Bengaluru, we found that cash shortage increased digital payment adoption but that digital payments fell after new banknotes became available. Digital payment adoption depended on the nature and scope of transactions, type of product sold, as well as personal factors specific to business owners such as comfort and familiarity with other digital technologies and online transactions. Using theoretical work on market and information behavior, we examined environmental pushes for technology adoption against prevalent transactional practices, trust, and control. We propose that the move toward digital payments must be framed within a larger undertaking of technology-driven modernity that drives these initiatives, rather than just the efficiency or productivity gains digital payments present.