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Challenges and Opportunities of Digital Payment Adoption in Rural Nepal and Its Impact on Financial Inclusion

첫 페이지 보기
  • 발행기관
    국제문화기술진흥원 바로가기
  • 간행물
    International Journal of Advanced Culture Technology(IJACT) KCI 등재 바로가기
  • 통권
    Volume 13 Number 2 (2025.06)바로가기
  • 페이지
    pp.78-84
  • 저자
    Rajan Nepal, Dipa Ahdikari, Bhanu Shrestha, Surendra Shrestha
  • 언어
    영어(ENG)
  • URL
    https://www.earticle.net/Article/A469826

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원문정보

초록

영어
This study explores the factors influencing digital payment adoption in rural Nepal, specifically along the Annapurna Circuit Trail. Employing a mixed-methods approach—including surveys, interviews, focus groups, field observations, and secondary data analysis—it offers a comprehensive perspective on adoption trends. The findings identify digital literacy, internet quality, and education as key drivers, with regression analysis indicating that digital literacy has the greatest influence, followed by education and internet quality, while age and distance to banking facilities negatively affect adoption. To provide a comprehensive understanding of this phenomenon, the study draws upon the Technology Acceptance Model (TAM) and the Diffusion of Innovations theory. Younger individuals, those with secondary education, and users with higher digital literacy are more likely to embrace digital payments. Major barriers include unreliable internet, inconsistent electricity supply, limited smartphone access, complex registration processes, and low merchant acceptance. Despite these challenges, opportunities for growth exist through infrastructure improvements, capacity-building initiatives, and policy reforms. With the current adoption rate at 35%, the study suggests that a 50% adoption rate is achievable within two years through strategic interventions. The research offers practical recommendations for stakeholders, emphasizing the need for collaborative efforts to enhance digital infrastructure, improve user education, and address systemic barriers.

목차

Abstract
1. INTRODUCTION
2. METHODOLOGY
3. RESULTS AND DISCUSSION
4. CONCLUSIONS
ACKNOWLEDGEMENT
REFERENCES

키워드

Digital Payments Rural Nepal Financial Inclusion Digital Literacy Infrastructure Development Adoption Barriers.

저자

  • Rajan Nepal [ Manager, Department of Engineering, Projects and Information Technology, Nepal Oil Corporation Ltd., Manager, Nepal ]
  • Dipa Ahdikari [ Assistant Manager, Department of Engineering, Projects and Information Technology, Nepal Oil Corporation Ltd., Manager, Nepal ]
  • Bhanu Shrestha [ Professor, Dept. of Information Convergence System, Graduate School of Smart Convergence, Kwangwoon University, Seoul, Korea ]
  • Surendra Shrestha [ Dean, Dept. of Science, Health and Technology, Nepal Open University, Nepal ] Corresponding Author

참고문헌

자료제공 : 네이버학술정보

간행물 정보

발행기관

  • 발행기관명
    국제문화기술진흥원 [The International Promotion Agency of Culture Technology]
  • 설립연도
    2009
  • 분야
    공학>공학일반
  • 소개
    본 진흥원은 문화기술(Culture Technology) 관련 산·학·연·관으로 구성된 비영리 단체이다. 문화기술(CT)은 정보통신기술(ICT), 문화적 사고 기반의 예술, 인문학, 디자인, 사회과학기술이 접목된 신융합기술(New Convergence Technology, NCT)로 정의한다. 인간의 삶의 질을 향상시키고, 진보된 방향으로 변화시키고, 문화기술 관련 분야의 학술 및 기술의 발전과 진흥에 공헌하기 위하여, 제3조의 필요한 사업을 행함을 그 목적으로 한다.

간행물

  • 간행물명
    International Journal of Advanced Culture Technology(IJACT)
  • 간기
    계간
  • pISSN
    2288-7202
  • eISSN
    2288-7318
  • 수록기간
    2013~2025
  • 등재여부
    KCI 등재
  • 십진분류
    KDC 600 DDC 700

이 권호 내 다른 논문 / International Journal of Advanced Culture Technology(IJACT) Volume 13 Number 2

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