The results of this research can be used by consumers, the banking, mobile operators, as well as subsequent researchers to be able to improve the facilities of the service, improve the security of transactions, increased security of personal data as well as additional reference material in the decision-making process. So, this study could not be used to make generalizations about the behavior intention of Indonesian young consumers towards ewallet. The limitations of this research is only done in Surabaya, East Java-Indonesia. Moderation variables in this reseach are full moderation due to the entire value of the indirect variables is greater than the value of direct variable. Factors perceived usefulness perceived trust and capable of influencing attituted toward using that then give rise to behavioral intention to use e-wallet. This research obtained evidence that the hypothesis is accepted. The analysis methods in this study by using SEM with analysis tools using Smart PLS 3.2.7. The respondents in this study are 183 respondents. Information for this research came from respondents who have made deals with the method of payment using the e-wallet in Surabaya, East Java, Indonesia. This research aims to find out what factors are influencing consumers use electronic wallet ( e-wallet) as an alternative method of payment against the purchase of goods and services. The case revolves around the future strategy and marketing tactics that Paytm Payments Bank would have to adopt to become self-sustainable and profitable in the face of various regulatory and customer adoption challenges.Аннотация научной статьи по медицинским технологиям, автор научной работы - Wijayanthi Isnawatie Mahwadha It was in this challenging environment that Paytm Payments Bank had to acquire customers and persuade them to transact actively using its services and to grow from an online financial technology (FinTech) firm in the payments space to a one-stop destination for a FinTech firm in India. And three, in October 2018, RBI had released guidelines on interoperability among prepaid instruments and bank accounts, creating barriers for the adoption of Paytm Payments Bank. Two, regulatory uncertainty prevailed with new payments regulation, namely the Payments and Settlement Systems Act, 2018, looming on the horizon. One, the Supreme Court of India had struck down sections of the Aadhaar Act that required the use of Aadhaar cards for online verification and transactions. There were other regulatory challenges that Paytm Payments Bank had to deal with as well. Paytm Payments Bank had come under the scrutiny of RBI for not abiding by the prescribed Know Your Customer (KYC) norms and for the cashbacks it had offered customers to bring them on board. The road to achieving this target was far from smooth. Paytm Payments Bank had a target to increase its customer base from 180 million to 500 million by 2020. The transition from Paytm mobile wallet to Paytm Payments Bank had added to the complexity of business for Paytm. The shift was the result of a push by Reserve Bank of India (RBI), the central bank of India and regulator of the banking system, in 2015, pending the approval of the new Payments Bill. The case centres around the challenges faced by Paytm, India's largest e-wallet, in its transition from a mobile wallet to a payments bank.
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