FinTech and Digital Payment Adoption | Trends & Strategies | AGPH Books
by Dr. Manoj Kumar, Dr. Sapna Saini, Dr. Mona Saini
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Book Title: FinTech and Digital Payment Adoption | Trends & Strategies | AGPH Books
This book explores the rapidly evolving landscape of financial technology (FinTech) and its growing influence on financial transactions, particularly in rural communities. It examines how innovations such as mobile payment applications, digital wallets, online banking, digital currencies, and other technology-driven financial services are transforming the way people access and use financial services.
A major focus of the study is mobile payment adoption in rural Haryana. Drawing on primary data collected from 496 mobile payment users across 10 villages, the book investigates people's awareness, preferences, perceptions, and experiences regarding mobile payment services. Platforms such as Google Pay, PhonePe, Paytm, BHIM, and Amazon Pay are examined in relation to their adoption and usage.
Using statistical techniques including descriptive statistics, chi-square tests, cross-tabulation, factor analysis, independent t-tests, and one-way ANOVA, the study identifies important factors influencing mobile payment adoption. Eight major determinants are highlighted: promotion, convenience, digital literacy, privacy and security, obstacles, trust and influence, accessibility, and challenges.
The book also considers how demographic characteristics such as gender, age, and income influence perceptions and usage of mobile payment services. Its findings provide valuable insights into the opportunities and challenges associated with expanding digital financial services in rural areas.
Overall, this book is useful for researchers, students, academics, financial institutions, policymakers, FinTech professionals, and anyone interested in digital payments, financial inclusion, and rural economic transformation.
About The Publisher:
AGPH Books is a professional self-book publishing house based in Central India, specializing in academic, professional, fiction, and non-fiction books in print, digital, and audio formats. The publishing house produces textbooks, research and reference works, biographies, self-help titles, children's books, literary fiction, poetry, and general interest publications. With a transparent publishing process and strong digital distribution, AGPH Books ensures global availability through Google Books, Amazon, Flipkart, and its official website store, supporting authors and institutions in reaching a wide and diverse readership.
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About the Author
Dr. Manoj Kumar is a distinguished academician and researcher known for his extensive contributions to the fields of commerce, management, and finance through innovative research and scholarly excellence. His research work reflects a strong interdisciplinary approach, highlighted by three impactful patents. He has published widely in reputed global, Scopus-indexed, UGC Care, and peer-reviewed journals. In addition to research papers, he has authored books and several book chapters focusing on blockchain, digital marketing, startup ecosystems, and financial innovation. His academic engagement extends to faculty development programs, workshops, and training initiatives, where he continuously upgrades his teaching and research capabilities. Dr. Kumar has guided Ph.D. scholars, contributing to the development of future researchers, and has received recognition such as the Best Teacher Award for his dedication to education. He also plays key roles in academic administration, editorial responsibilities, and curriculum development. His involvement in research committees, journal editorial boards, and academic coordination reflects his leadership in academia. Through his vast body of work, Dr. Manoj Kumar has significantly contributed to advancing knowledge in commerce and management while bridging the gap between research and practical application.
Dr. Sapna Saini completed her Ph.D. in 2025 and has over 8 years of teaching experience. She has published 12 research papers in national and international journals and books. She has also attended many national and international conferences. She is dedicated to teaching and research, with a strong interest in learning new ideas. Her work reflects her commitment to academic growth and student development. She believes in sharing knowledge in a simple and practical way. She continues to work towards improving education and research quality.
Dr. Mona Saini earned her Ph.D. in 2026 and brings more than 10 years of teaching experience. She has contributed 12 research papers to various national and international journals and books. She has actively participated in several academic conferences at both national and international levels. She is passionate about teaching and research, always exploring new concepts and ideas. Her approach focuses on clear understanding and practical learning. She remains committed to enhancing academic standards and promoting quality research.
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