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Digital Payment and Its Discontents: Street Shops and the Indian Government's Push for Cashless Transactions

Authors:

Priyank Chandra,

Vaishnav Kameswaran,

Aakanksha Parameshwar,

Aditya JohriAuthors Info & Claims

CHI '18: Proceedings of the 2018 CHI Conference on Human Factors in Computing Systems

Paper No.: 229, Pages 1 - 13

https://doi.org/10.1145/3173574.3173803

Published: 21 April 2018 Publication History

Abstract

In November 2016, the Government of India banned the vast majority of the nation's banknotes in a move referred to as 'demonetization', with the stated goals of fighting corruption, terrorism, and eventually expanding digital transactions. In this study of 200 shop-keepers in Mumbai and Bengaluru, we found that cash shortage increased digital payment adoption but that digital payments fell after new banknotes became available. Digital payment adoption depended on the nature and scope of transactions, type of product sold, as well as personal factors specific to business owners such as comfort and familiarity with other digital technologies and online transactions. Using theoretical work on market and information behavior, we examined environmental pushes for technology adoption against prevalent transactional practices, trust, and control. We propose that the move toward digital payments must be framed within a larger undertaking of technology-driven modernity that drives these initiatives, rather than just the efficiency or productivity gains digital payments present.

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Cited By

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Index Terms

Digital Payment and Its Discontents: Street Shops and the Indian Government's Push for Cashless Transactions
1. Human-centered computing

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cover image ACM Conferences

CHI '18: Proceedings of the 2018 CHI Conference on Human Factors in Computing Systems

April 2018

8489 pages

ISBN:9781450356206

DOI:10.1145/3173574

General Chairs:
Regan Mandryk
University of Saskatchewan, Canada
,
Mark Hancock
University of Waterloo, Canada
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Program Chairs:
Mark Perry
Brunel University London, UK
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Anna Cox
University College London, UK

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https://doi.org/10.18311/sdmimd/2024/32806
Dev HGupta RKumar D(2024)From Cash to Cashless: UPI's Impact on Spending Behavior among Indian UsersExtended Abstracts of the CHI Conference on Human Factors in Computing Systems10.1145/3613905.3651050(1-10)Online publication date: 11-May-2024
https://dl.acm.org/doi/10.1145/3613905.3651050
Karusala NUpadhyay SVeeraraghavan RGajos K(2024)Understanding Contestability on the Margins: Implications for the Design of Algorithmic Decision-making in Public ServicesProceedings of the 2024 CHI Conference on Human Factors in Computing Systems10.1145/3613904.3641898(1-16)Online publication date: 11-May-2024
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Gangopadhyay SGhosh SRoy SDhol SDeb A(2024)The Perceived Value of e-Rupee, A Next-Gen Trading SolutionDigital Currencies in The New Global World Order10.1007/978-981-97-4810-5_10(141-154)Online publication date: 13-Sep-2024
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Mir IWani M(2023)Street Vendors Using Smartphones for Digital Payments: A Qualitative Study of Digital Opportunities and Inequalities From Kashmir Region in IndiaJournal of Asian and African Studies10.1177/00219096231218437Online publication date: 27-Dec-2023
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Zhou CChen YWattenhofer RWang Y(2023)Print Your Money: Cash-Like Experiences with Digital MoneyExtended Abstracts of the 2023 CHI Conference on Human Factors in Computing Systems10.1145/3544549.3585772(1-7)Online publication date: 19-Apr-2023
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