From risk minimisation to trust building: an empirical study on blockchain technology in digital payment system

Abstract

Purpose The purpose of this study is to examine the mediator role of blockchain technology (BT) in developing the trust among the users of digital payment (DP). Design/methodology/approach The research is of conclusive in nature. Purposive convenience sampling method was used to collect the data through a structured questionnaire. Statistical software Smart PLS 4 and SPSS 26 is used for the analysis of 540 valid responses. Findings This study concludes that resulting model is capable to predict the mediating role of BT in framing the trust. It also identified that all the factors (perceived ease of use, perceived usefulness, social norms and facilitating conditions) examined were found to have significant influence on the adoption of DP system. Research limitations/implications This study uses variables that influences human behaviour in DP adoption. In future the work can be extended to check the moderating effect of BT on trust towards DP system. Originality/value This study demonstrates a key driver of towards DP. In addition, it highlights the pivotal role of BT in developing trust in both current and future adoption of DPs.

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