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Understanding Students' Switching Intentions from Cash Payment to Mobile Payment in Education Sector

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Title: Understanding Students' Switching Intentions from Cash Payment to Mobile Payment in Education Sector
Language: English
Authors: P. Pragha (ORCID 0000-0002-7057-8364), Krantiraditya Dhalmahapatra (ORCID 0000-0003-4013-548X), Murali Sambasivan (ORCID 0000-0002-5779-4126), Pradeep Rathore (ORCID 0000-0003-3316-862X), Esha Saha (ORCID 0000-0002-3262-4876)
Source: Journal of Applied Research in Higher Education. 2025 17(3):868-879.
Availability: Emerald Publishing Limited. Howard House, Wagon Lane, Bingley, West Yorkshire, BD16 1WA, UK. Tel: +44-1274-777700; Fax: +44-1274-785201; e-mail: emerald@emeraldinsight.com; Web site: http://www.emerald.com/insight
Peer Reviewed: Y
Page Count: 12
Publication Date: 2025
Document Type: Journal Articles
Reports - Research
Education Level: Higher Education
Postsecondary Education
Descriptors: Foreign Countries, Undergraduate Students, College Graduates, Student Attitudes, Paying for College, Technology Uses in Education, Money Management, Student Behavior, Behavior Change, Decision Making, Risk Assessment, Time on Task, Cost Effectiveness, Services, Handheld Devices, Influence of Technology, Gender Differences, Incentives, Attitude Change
Geographic Terms: India
DOI: 10.1108/JARHE-11-2023-0522
ISSN: 2050-7003
1758-1184
Abstract: Purpose: The study intends to evaluate students' intention to shift from cash payment to mobile payment system for academic fee payments through push, pull and mooring framework. Push factors comprise risk and service-related factors, pull factors consist of subjective and aspect-based factors and mooring factors include cost and cognitive factors. Design/methodology/approach: Sample of the study consists of around 296 undergraduate and postgraduate students from different higher educational institutions located in India. The questionnaire for data collection comprises 21 Likert scale-based items distributed among seven constructs. Partial least square structural equation modeling is used to identify the significant factors influencing students' intentions. Findings: Five of the factors, namely, risk, service, subjective, aspect and cognitive significantly influence student's intention to switch to mobile payment system for academic fee payments. Moderation analysis indicates that the impact of the push and pull factors on switching intention towards mobile payments has a more positive influence among male students. Originality/value: This study is probably the only study that tested the specific push, pull and mooring factors influencing intention to switch to mobile payment from cash payment in the Indian education system based on the incentive, Fogg behavior and status quo bias theory for academic fee payment.
Abstractor: As Provided
Entry Date: 2025
Accession Number: EJ1466815
Database: ERIC
FullText Text:
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PubType: Academic Journal
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IllustrationInfo
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  Data: Understanding Students' Switching Intentions from Cash Payment to Mobile Payment in Education Sector
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  Data: English
– Name: Author
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  Data: <searchLink fieldCode="AR" term="%22P%2E+Pragha%22">P. Pragha</searchLink> (ORCID <externalLink term="https://orcid.org/0000-0002-7057-8364">0000-0002-7057-8364</externalLink>)<br /><searchLink fieldCode="AR" term="%22Krantiraditya+Dhalmahapatra%22">Krantiraditya Dhalmahapatra</searchLink> (ORCID <externalLink term="https://orcid.org/0000-0003-4013-548X">0000-0003-4013-548X</externalLink>)<br /><searchLink fieldCode="AR" term="%22Murali+Sambasivan%22">Murali Sambasivan</searchLink> (ORCID <externalLink term="https://orcid.org/0000-0002-5779-4126">0000-0002-5779-4126</externalLink>)<br /><searchLink fieldCode="AR" term="%22Pradeep+Rathore%22">Pradeep Rathore</searchLink> (ORCID <externalLink term="https://orcid.org/0000-0003-3316-862X">0000-0003-3316-862X</externalLink>)<br /><searchLink fieldCode="AR" term="%22Esha+Saha%22">Esha Saha</searchLink> (ORCID <externalLink term="https://orcid.org/0000-0002-3262-4876">0000-0002-3262-4876</externalLink>)
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  Data: <searchLink fieldCode="SO" term="%22Journal+of+Applied+Research+in+Higher+Education%22"><i>Journal of Applied Research in Higher Education</i></searchLink>. 2025 17(3):868-879.
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  Data: Emerald Publishing Limited. Howard House, Wagon Lane, Bingley, West Yorkshire, BD16 1WA, UK. Tel: +44-1274-777700; Fax: +44-1274-785201; e-mail: emerald@emeraldinsight.com; Web site: http://www.emerald.com/insight
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  Data: Y
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  Data: 12
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  Data: 2025
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  Data: Journal Articles<br />Reports - Research
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  Label: Education Level
  Group: Audnce
  Data: <searchLink fieldCode="EL" term="%22Higher+Education%22">Higher Education</searchLink><br /><searchLink fieldCode="EL" term="%22Postsecondary+Education%22">Postsecondary Education</searchLink>
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  Label: Descriptors
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  Data: <searchLink fieldCode="DE" term="%22Foreign+Countries%22">Foreign Countries</searchLink><br /><searchLink fieldCode="DE" term="%22Undergraduate+Students%22">Undergraduate Students</searchLink><br /><searchLink fieldCode="DE" term="%22College+Graduates%22">College Graduates</searchLink><br /><searchLink fieldCode="DE" term="%22Student+Attitudes%22">Student Attitudes</searchLink><br /><searchLink fieldCode="DE" term="%22Paying+for+College%22">Paying for College</searchLink><br /><searchLink fieldCode="DE" term="%22Technology+Uses+in+Education%22">Technology Uses in Education</searchLink><br /><searchLink fieldCode="DE" term="%22Money+Management%22">Money Management</searchLink><br /><searchLink fieldCode="DE" term="%22Student+Behavior%22">Student Behavior</searchLink><br /><searchLink fieldCode="DE" term="%22Behavior+Change%22">Behavior Change</searchLink><br /><searchLink fieldCode="DE" term="%22Decision+Making%22">Decision Making</searchLink><br /><searchLink fieldCode="DE" term="%22Risk+Assessment%22">Risk Assessment</searchLink><br /><searchLink fieldCode="DE" term="%22Time+on+Task%22">Time on Task</searchLink><br /><searchLink fieldCode="DE" term="%22Cost+Effectiveness%22">Cost Effectiveness</searchLink><br /><searchLink fieldCode="DE" term="%22Services%22">Services</searchLink><br /><searchLink fieldCode="DE" term="%22Handheld+Devices%22">Handheld Devices</searchLink><br /><searchLink fieldCode="DE" term="%22Influence+of+Technology%22">Influence of Technology</searchLink><br /><searchLink fieldCode="DE" term="%22Gender+Differences%22">Gender Differences</searchLink><br /><searchLink fieldCode="DE" term="%22Incentives%22">Incentives</searchLink><br /><searchLink fieldCode="DE" term="%22Attitude+Change%22">Attitude Change</searchLink>
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  Label: Geographic Terms
  Group: Su
  Data: <searchLink fieldCode="DE" term="%22India%22">India</searchLink>
– Name: DOI
  Label: DOI
  Group: ID
  Data: 10.1108/JARHE-11-2023-0522
– Name: ISSN
  Label: ISSN
  Group: ISSN
  Data: 2050-7003<br />1758-1184
– Name: Abstract
  Label: Abstract
  Group: Ab
  Data: Purpose: The study intends to evaluate students' intention to shift from cash payment to mobile payment system for academic fee payments through push, pull and mooring framework. Push factors comprise risk and service-related factors, pull factors consist of subjective and aspect-based factors and mooring factors include cost and cognitive factors. Design/methodology/approach: Sample of the study consists of around 296 undergraduate and postgraduate students from different higher educational institutions located in India. The questionnaire for data collection comprises 21 Likert scale-based items distributed among seven constructs. Partial least square structural equation modeling is used to identify the significant factors influencing students' intentions. Findings: Five of the factors, namely, risk, service, subjective, aspect and cognitive significantly influence student's intention to switch to mobile payment system for academic fee payments. Moderation analysis indicates that the impact of the push and pull factors on switching intention towards mobile payments has a more positive influence among male students. Originality/value: This study is probably the only study that tested the specific push, pull and mooring factors influencing intention to switch to mobile payment from cash payment in the Indian education system based on the incentive, Fogg behavior and status quo bias theory for academic fee payment.
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  Data: 2025
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  Data: EJ1466815
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RecordInfo BibRecord:
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      – Type: doi
        Value: 10.1108/JARHE-11-2023-0522
    Languages:
      – Text: English
    PhysicalDescription:
      Pagination:
        PageCount: 12
        StartPage: 868
    Subjects:
      – SubjectFull: Foreign Countries
        Type: general
      – SubjectFull: Undergraduate Students
        Type: general
      – SubjectFull: College Graduates
        Type: general
      – SubjectFull: Student Attitudes
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      – SubjectFull: Paying for College
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      – SubjectFull: Technology Uses in Education
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      – SubjectFull: Money Management
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      – SubjectFull: Student Behavior
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      – SubjectFull: Behavior Change
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      – SubjectFull: Decision Making
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      – SubjectFull: Risk Assessment
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      – SubjectFull: Time on Task
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      – SubjectFull: Cost Effectiveness
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      – SubjectFull: Services
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      – SubjectFull: Handheld Devices
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      – SubjectFull: Influence of Technology
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      – SubjectFull: Gender Differences
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      – SubjectFull: Attitude Change
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      – SubjectFull: India
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      – TitleFull: Understanding Students' Switching Intentions from Cash Payment to Mobile Payment in Education Sector
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