Exploring Post-Adoption Behavior of the UPI users with Cognitive and Affective Factors

The National Payments Corporation of India (NPCI) has invested a sizable amount money in the country's massive payment infrastructure an effort to enhance user experience. However, order for investments be profitable, NPCI must guarantee ongoing use technological solutions and post-adoptive behaviors like continuance recommendation intention. impact cognitive factors (i.e. Performance expectancy, social influences, facilitating conditions; personal innovativeness) affective (such as satisfaction) on conative continuation intention) perspective UPI applications (apps) was investigated using UTAUT model. Partial Least Square Structural Equation Modeling when applied 651 users (PLS-SEM) showed that satisfaction had direct intentions, which turn recommendations intentions. It discovered all factors, including performance expectations, conditions, have satisfaction. According study, adding significant individual difference variable—personal innovativeness with regard information technology—would aid our understanding role these play development continuous further examines influence trust security, pace innovation continued Through mediating function satisfaction, it also looked at influence, variable, intentions system. All been shown significant. Future researchers will find extremely helpful study used validated instrument better understand adherence referral Therefore, this adds limited body knowledge industry literature by examining how perceive apps post-adoption behaviors.