Purpose

This research aims to uncover how the adoption process of a mobile payment solution unfolds in its local use. We examined micro-enterprises’ adoption of UPI-based payment system in India.

Design/methodology/approach

We employed an ethnographic approach to study the micro-entrepreneurs’ daily practice and adopted a relational ontology to conduct an “in-practice” enquiry of the UPI payment adoption process.

Findings

Applying the practice perspective of Technology Affordances and Constraints Theory, we found that UPI adoption was shaped through a dynamic interplay of emerging affordances and constraints. New features, such as All-in-one QR, enabled actions like cross-platform money transfer but also introduced challenges like fraud. Advancements in the technology addressed previous challenges but also created new hurdles. This cycle of evolving affordances and constraints within the contextual use of UPI payment technology shaped its adoption process.

Research limitations/implications

The findings contribute to the existing body of mobile payment literature by elucidating the role of localized and ongoing enactment of affordances and constraints. Unlike existing adoption theories, using relational concepts of affordances and constraints revealed how the integration of mobile payment into practice leads to emergent use patterns and widespread adoption.

Practical implications

We emphasize the need for solutions that address localized challenges and contextual needs. The study advises policymakers to consider technology’s benefits and limitations in interventions.

Originality/value

The study offers a unique view on mobile payment adoption, highlighting the role of technological materiality and temporality. It reveals how the changing materiality of technology shapes the adoption process through localized affordances and constraints.

中文翻译：

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移动支付使用中不断发展的“可供性”和“限制”：印度微型企业 UPI 采用过程的研究

 目的

本研究旨在揭示移动支付解决方案的采用过程如何在其本地使用中展开。我们研究了微型企业在印度采用基于 UPI 的支付系统的情况。

设计/方法/方法

我们采用人种学方法来研究微型企业家的日常实践，并采用关系本体论对 UPI 支付采用过程进行“实践中”查询。

 发现

应用技术可供性和约束理论的实践视角，我们发现 UPI 的采用是通过新兴的可供性和约束的动态相互作用形成的。All-in-one QR 等新功能支持跨平台汇款等操作，但也带来了欺诈等挑战。该技术的进步解决了以前的挑战，但也带来了新的障碍。在 UPI 支付技术的上下文使用中，这种不断发展的可供性和限制周期塑造了它的采用过程。

研究局限性/影响

这些发现通过阐明可供性和约束的本地化和持续颁布的作用，为现有的移动支付文献做出了贡献。与现有的采用理论不同，使用可供性和约束的关系概念揭示了将移动支付整合到实践中如何导致新兴的使用模式和广泛采用。

 实际意义

我们强调需要解决本地化挑战和情境需求的解决方案。该研究建议政策制定者考虑技术在干预中的好处和局限性。

 原创性/价值

该研究为移动支付的采用提供了独特的视角，强调了技术重要性和时间性的作用。它揭示了不断变化的技术物质性如何通过本地化的可供性和限制来塑造采用过程。