DIGITAL TRANSACTIONS AND CULTURAL PARTICIPATION: FACTORS INFLUENCING MOBILE PAYMENT ADOPTION AMONG OLDER ADULTS

Asmita; Jayaashis Sethi; Sarishti Joshi; Trinkul Kalita; Jayanthi Rajendran; Mandeep Kaur

doi:10.29121/shodhkosh.v7.i1s.2026.7175

Authors

Asmita Research Scholar, Maharishi Markandeshwar University (Deemed to be University), Mullana
Dr. Jayaashish Sethi Professor, Maharishi Markandeshwar University (Deemed to be University), Mullana–Ambala
Dr. Sarishti Joshi Assistant Professor, Faculty of Liberal Arts, The ICFAI University, Baddi, Himachal Pradesh
Trinkul Kalita Assistant Professor, Assam down town University
Dr. Jayanthi Rajendran Associate Professor and Head, Department of English, Easwari Engineering College, Chennai
Mandeep Kaur Assistant Professor, Department of English Language, Guru Nanak Dev University, Amritsar – 143005

DOI:

https://doi.org/10.29121/shodhkosh.v7.i1s.2026.7175

Keywords:

Mobile Payment Adoption, Older Adults, Digital Inclusion, Trust and Risk Perception, User Experience, Cultural Participation, Technology Acceptance

Abstract [English]

The rapid expansion of digital payment technologies has significantly reshaped modes of exchange across sectors, including the cultural and creative economy. Despite widespread diffusion of mobile payment systems, adoption among older adults remains comparatively limited, potentially influencing their participation in digitally mediated cultural activities such as online ticketing, event access, and heritage engagement. Understanding the behavioural and psychological drivers of mobile payment usage within this demographic is therefore essential for fostering inclusive digital ecosystems. This study investigates the determinants of mobile payment adoption among adults aged 55 years and above by extending the Technology Acceptance Model (TAM) with constructs of trust and multidimensional perceived risk. Data were collected through a standardized questionnaire administered to 326 older adults in the Delhi NCR region. Structural Equation Modelling (SEM) was employed to test the proposed relationships. Findings confirm that perceived ease of use and perceived usefulness significantly shape attitudes toward mobile payment technologies, supporting the explanatory power of TAM in later-life technology adoption. Trust emerges as a central mediating mechanism, enhancing perceived usefulness and positively influencing attitudes while mitigating the negative effects of perceived risks. Among risk dimensions, performance risk and financial risk exerted the strongest influence on trust, whereas psychological, privacy, and time risks demonstrated comparatively weaker effects. Attitude toward mobile payment systems was identified as the most significant predictor of behavioural intention, highlighting the importance of positive experiential and cognitive evaluations. By situating mobile payment adoption within the broader context of digital access and participation, this study contributes to discussions on digital inclusion, user experience, and accessibility for older populations. The findings hold implications for designers, cultural institutions, and policymakers seeking to enhance older adults’ engagement with digitally enabled services and cultural platforms.

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