A CRITICAL REVIEW OF MIXED CROSS-SECTIONAL STUDY ON USAGE OF ELECTRONIC PAYMENT SYSTEM AMONG VISUALLY IMPAIRED USERS IN CHENNAI DISTRICT

Abstract

ABSTRACT:

Introduction: In India, the electronic payment system is growing day by day, even in the petty shop, it’s possible to see QR code scanning. Many studies were done in the area of digital financial inclusion, satisfaction, and perception of users. Still, none of the studies address the experience of the visually impaired (VI) digital payment users in Chennai, Tamilnadu, India.

Methods: This study is a mixed cross-sectional study; the researcher uses quantitative and qualitative data collection methods. In the first section, the qualitative study is based on the interview method and four theme-based questions had been framed to interact with VI users. The second section is based on the questionnaire method where two factors had been framed with five indicating variables each. Totally 90 respondents have participated in the study. Both sections follow the snowball sampling method for data collection. The researcher clearly explained the study's aims, methods, and general outcome to the participants. Therefore under “Informed consent” the researcher received consent from the participants before starting the data collection.

Result: The first section reveals the feasible mode of transaction for VI users and the supporting application for carrying out the successive digital payment transaction. The second section brought out the adoption and ease of use in digital payment.

Discussion: The first section put forth the problems in accessing their own bank digital wallets and the second section is about how the ease-of-use factor paves the way for the adoption of a digital payment platform for VI users. Still, some banks are heisted to provide a debit card to the VI clients.

Implication and practice: In India Reserve bank of India (RBI) is the central bank, without the support of RBI, here nothing is possible to implement changes in the accessibility of digital payment to VI users. Therefore, RBI needs to take respective actions.

Keywords: Usage, visually impaired users, Digital payment, snowball sampling, adoption, and ease of use.