A STUDY ON EVALUATING ANTECEDENTS OF USAGE OF VIRTUAL CARDS IN MUMBAI REGION

The use of virtual card over physical bank card has increased in the recent decade. Financial inclusion
facilitates access to financial services. The purpose of this study is to evaluate antecedents of usage of
virtual cards in Mumbai Region. Structural equation modelling (SEM) using SMART PLS have been used
for the current study. It is seen that effort expectancy, hedonic motivation, performance expectancy,
security, and social influence on Behavioural intention of virtual card. Further studies can be conducted
using moderating constructs and building a higher order construct.