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<p>This study aims to investigate the role of anxiety in adopting digital payments. The survey was conducted among 450 individuals who used digital payments from Hyderabad (including all six zones), India and PLS-SEM were used to evaluate the hypotheses. The results of this study reveal that users’ perceived risk positively and significantly influences their anxiety while using digital payments. Subsequently, users’ anxiety negatively affects their effort expectancy, performance expectancy, attitude, perceived trust and behavioural intentions towards digital payments. In terms of mediation analysis, anxiety serves as a mediator between perceived risk and behavioural intentions. Additionally, attitude, effort expectancy, performance expectancy, and perceived trust mediate the relationship between anxiety and behavioural intentions.</p>

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Examining anxiety’s role in embracing digital payments: an empirical investigation

  • 期刊论文

  • 发表日期：

    2026年2月12日

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  • L. Vimal Raj,
  • S. Amilan

摘要

This study aims to investigate the role of anxiety in adopting digital payments. The survey was conducted among 450 individuals who used digital payments from Hyderabad (including all six zones), India and PLS-SEM were used to evaluate the hypotheses. The results of this study reveal that users’ perceived risk positively and significantly influences their anxiety while using digital payments. Subsequently, users’ anxiety negatively affects their effort expectancy, performance expectancy, attitude, perceived trust and behavioural intentions towards digital payments. In terms of mediation analysis, anxiety serves as a mediator between perceived risk and behavioural intentions. Additionally, attitude, effort expectancy, performance expectancy, and perceived trust mediate the relationship between anxiety and behavioural intentions.