Digital Payment and Its Discontents: Street Shops and the Indian Government's Push for Cashless Transactions

論文URL:http://dl.acm.org/citation.cfm?doid=3173574.3173803

論文アブストラクト:In November 2016, the Government of India banned the vast majority of the nation's banknotes in a move referred to as 'demonetization', with the stated goals of fighting corruption, terrorism, and eventually expanding digital transactions. In this study of 200 shop-keepers in Mumbai and Bengaluru, we found that cash shortage increased digital payment adoption but that digital payments fell after new banknotes became available. Digital payment adoption depended on the nature and scope of transactions, type of product sold, as well as personal factors specific to business owners such as comfort and familiarity with other digital technologies and online transactions. Using theoretical work on market and information behavior, we examined environmental pushes for technology adoption against prevalent transactional practices, trust, and control. We propose that the move toward digital payments must be framed within a larger undertaking of technology-driven modernity that drives these initiatives, rather than just the efficiency or productivity gains digital payments present.

日本語のまとめ:

インドで2016年に高額紙幣が廃止され、一時的に電子決済が増えたがその後減った。200人の店主にインタビューをとった結果、新技術の普及には使いやすさとITに詳しい身内の存在が重要であることが明らかになった。

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