scholarly journals IMPACT OF DIGITAL WALLETS ON CONSUMER BEHAVIOR IN INDIA

2021 ◽  
Vol 9 (09) ◽  
pp. 220-236
Author(s):  
Ishaan Singh Sarna ◽  

In todays tech-driven world, digital wallets such as Paytm, GPay, MobiKwik, and so on, are gaining immense popularity among consumers. With economies becoming digital as more and more consumers opt for computerized alternatives to the traditional leather wallet, the industry has become a profitable base for potential investors. In India, specifically, the growth of digital wallets has been propelled by the demonetization policy, which significantly reduced the volume of currency in circulation, implemented by the government in 2016. One of the major consequences of an increase in the popularity of digital wallets has been a shift in the behaviors and spending habits of consumers, particularly in India, where the transition to a cashless economy has been considerably rapid. The goal of this study is to assess the apparent impact of the transition to digital economies on consumer behavior, and the various factors associated with this shift. This assessment was made by surveying users of digital wallets, between the ages 18 and 65, to seek their responses on how shifting to digital wallets has impacted them, their spending habits, etc. The responses were closely analyzed and interpreted to come to a conclusion.

Author(s):  
Nayan Mitra

AbstractCorporate Social Responsibility (CSR) is like a chameleon, that changes its colour according to the context it is in. In the developed economy, it takes the form of sustainability and/ or philanthropy, whereas, in emerging economies, it speaks the language of religious, political and/ or mandated CSR. India, in recent times came into the limelight with its mandated CSR policy that was incorporated into its Companies Act 2013, which became operational from the financial year 2014 - 2015. Mandated CSR is thus a new area of study that is based on the philosophy that ‘CSR should contribute to the national agenda in emerging economies,’ under some statutory guidelines as laid down by the Government.But, business houses, do look for maximising its profit. Profit can be financial and/ or non-financial. If not money, then at least the effort must be compensated with reputation, image, that helps in brand building! And, to have this as an objective, their efforts should be strategic! But, does all strategies work? With these questions and conceptual thinking, this empirical research aims to identify the key aspects of Strategic Management, CSR and Firm Performance and establish relationship between them; apart from developing a valid and reliable scale to do so. This is indeed one of the first researches and documentations done among the large Indian firms in India immediately in the post mandate period and thus forms a base for understanding the CSR dynamics in the years to come.


2015 ◽  
Vol 47 (2) ◽  
pp. 283-311 ◽  
Author(s):  
Haifeng Huang

Despite the prevalence of anti-government rumors in authoritarian countries, little is currently known about their effects on citizens’ attitudes toward the government, and whether the authorities can effectively combat rumors. With an experimental procedure embedded in two surveys about Chinese internet users’ information exposure, this study finds that rumors decrease citizens’ trust in the government and support of the regime. Moreover, individuals from diverse socio-economic and political backgrounds are similarly susceptible to thinly evidenced rumors. Rebuttals generally reduce people’s belief in the specific content of rumors, but often do not recover political trust unless the government brings forth solid and vivid evidence to back its refutation or win the endorsement of public figures broadly perceived to be independent. But because such high-quality and strong rebuttals are hard to come by, rumors will erode political support in an authoritarian state. These findings have rich implications for studies of rumors and misinformation in general, and authoritarian information politics in particular.


2017 ◽  
Vol 12 (04) ◽  
pp. 238-248
Author(s):  
Mario Torres ◽  
Hazel Luyon-Tabo ◽  
Steven Salibay ◽  
Cristina Cabanacan-Salibay

AbstractThis article aims to discuss the issues about Schistosoma japonicum infection in the Philippines based on the research findings of previous studies. This includes reviews about the nature of schistosomiasis, with emphasis on its effects on children. The review also discusses the mode of transmission of the parasite, etiology, and epidemiology, and relates these factors to the persistence of S. japonicum as a major health problem in the Philippines. The efforts, preventive measures, and recommended actions of the government are also mentioned and have been taken into consideration in strengthening the eradication measures against S. japonicum. This review further analyzes the risk factors associated with the infected individuals. Some measures and practices that may contribute to the prevention of S. japonicum infection are highlighted.


2017 ◽  
Vol 5 (10) ◽  
pp. 153-176
Author(s):  
Josephine Muthami ◽  
Haniel Nyaga Gatumu ◽  
Sahaya G. Selvam ◽  
Wambui J.

The purpose of the study was to highlight the factors associated with violence against women and girls and how they can benefit from therapy. The study was guided by the following objectives: to establish the factors associated with the occurrence of violence, determining the effectiveness of therapy in dealing with survivors of violence, exploring factors influencing or blocking effectiveness of therapy. A cross sectional research design was used in which questionnaires, an interviewing guide, focus group discussion and psychological assessment scale were used to collect study data. A sample of 75 women and girls was purposively selected from health facilities, counselling centres, chief camps, police station, NGOs and CBOs within Kibra Constituency. All respondents were females aged 18 years and above. The findings showed that all the respondents (100%) had been exposed to violence. The respondents who reported physical abuse were 30%, sexual abuse was reported by 10%, psychological and emotional abuse was reported by 16%, financial coercion was reported by 15%, neglect of children and duty by 13%, and verbal assault was reported by 16%.  Further, the results showed that the most common victims of violence are expectant mothers and children who are under the care of irresponsible persons. The most reported people to perpetrate violence were cited to be men. The responses given by the respondents as factors that trigger violence are: Previous assaults (61%), cultural expectations (61%), alcohol abuse and other drugs (49%), poor communication skills (49%), poor problem solving skills (49%), perpetrator outstretched demands on resources (49%), infidelity(37%), unemployment (37%), peer pressure (37%), frustration emanating from blocked goals (24%), childlessness (24%) and  personality traits (12%). Violence against women and girls impact negatively on their lives. The most common negative impact mentioned are depression by 75 respondents, children suffering cited by 65 respondents, family disintegration cited by 56 respondents, non-productivity, physical injury, and anxiety respectively cited  by 46 respondents. The survivors of violence have knowledge of where they can access help in order to cope with the consequences of violence. Of the 75 respondents, 75 of them said that counselling is very helpful. Perseverance is another coping mechanism mentioned by 75 respondents. Separation and keeping quite are strategies mentioned by 65 respondents. Going to hospital is another support and help available mentioned by 56 respondents. The respondents who opted for spiritual intervention were 47 while those who opted to start a business for sustainability were 38. Those who preferred sharing with significant others as a coping mechanism were 28. Last but not least, 18 women indicated that support groups are helpful in dealing with violence. The study recommended that women and girls should be empowered financially and policies put into place to curb violence. The government and other stakeholders should partner to support women and girls to overcome violence in the society.


2019 ◽  
Vol 23 (01) ◽  
pp. 1-37
Author(s):  
Li Lin Lau ◽  
Farzana Quoquab ◽  
Abu Bakar Abdul Hamid

This case illustrates the issues pertaining to the “PutItOn” campaign promotion launched by the Malaysian AIDS Council (MAC). This case primarily discusses the social marketing challenges encountered by MAC with the task to promote intervention programs on condom use and women’s safe sex practices to influence social change. However, promoting condom use is regarded as taboo and is not allowed to be mentioned in Malaysian mainstream mass media because of restrictions by the Communications and Multimedia Act. The government also cannot openly advocate condom use because of sociocultural sensitivity. In addition, some people might misinterpret promoting condom use as encouraging promiscuity. On the other hand, official statistics show that new HIV cases have shifted the trend from men to women in recent years, and the major factor for women infected by HIV was through sexual transmission. Dr. Suzi, communication manager of MAC, is in charge of the “PutItOn” campaign. She faced difficulty in increasing awareness among women about the campaign with the consideration of social and cultural issues. The campaign was launched in December 2014, but not many people seemed aware of this campaign after four months of its launch. The chairman of MAF, Dr. Roselina, advised her to come up with an effective promotional strategy for the “PutItOn” campaign by April. Dr. Suzi had only one month to devise a plan to solve the problem; otherwise, MAC has to close the campaign. Dr. Suzi was worried about the sociocultural pressure to promote the “PutItOn” campaign.


Author(s):  
Patrícia Soares ◽  
Andreia Leite ◽  
Sara Esteves ◽  
Ana Gama ◽  
Pedro Almeida Laires ◽  
...  

The COVID-19 pandemic has resulted in changes in healthcare use. This study aimed to identify factors associated with a patient’s decision to avoid and/or delay healthcare during the COVID-19 pandemic. We used data from a community-based survey in Portugal from July 2020 to August 2021, “COVID-19 Barometer: Social Opinion”, which included data regarding health services use, risk perception and confidence in health services. We framed our analysis under Andersen’s Behavioural Model of Health Services Use and utilised Poisson regression to identify healthcare avoidance associated factors. Healthcare avoidance was high (44%). Higher prevalence of healthcare avoidance was found among women; participants who reported lower confidence in the healthcare system response to COVID-19 and non-COVID-19; lost income during the pandemic; experienced negative emotions due to physical distancing measures; answered the questionnaire before middle June 2021; and perceived having worse health, the measures implemented by the Government as inadequate, the information conveyed as unclear and confusing, a higher risk of getting COVID-19, a higher risk of complications and a higher risk of getting infected in a health institution. It is crucial to reassure the population that health services are safe. Health services should plan their recovery since delays in healthcare delivery can lead to increased or worsening morbidity, yielding economic and societal costs.


Author(s):  
Bhawna Mukaria

In present era, it is impossible to imagine modern bank transactions, commercial transactions and other payments without using the plastic cards. Plastic currency is now gradually becoming a necessity across the globe as more and more developed countries are opting for plastic compared to paper as there are several inherent advantages. The growing involvement of smart phones has made technology applications much more accessible to users. The Government also move forward for a “Digital India” and its focus on growing electronic payments is significant drivers of growth in replacing physical payments with technologybacked solutions. India is at the stage of an amazing shift towards electronic money from traditional cash. For instance the Pradhan Mantri Jan Dhan Yojana (PMJDY), is slowly building recognition among people to move from paper to electronic money. The PMJDY alone has seeded over 150 million Rupay cards in the last year, in addition to the 400 million debit cards already in circulation. There is still emergence for significant increase in the usage of debit cards in the years to come as card. This paper focus on the challenges and future prospects of plastic money in India.


Author(s):  
Muhammad Zaki Abd Razak ◽  
Shukor Sanim Mohd Fauzi ◽  
Ray Adderley JM Gining ◽  
Muhammad Nabil Fikri Jamaluddin

Vehicle crash contributes to a significant number of deaths and injuries in human races around the world. The government and the transportation expert work together around the clock to lessen the number of injuries and fatalities cause from vehicle crash issues. To come out with an effective solution whether from improving the trafficking system including road conditions or increasing awareness among drivers, the experts must analyse the data of vehicle crash from the past decades to find the major causes and come out with a decision. The lack of suitable techniques and tools to analyse a large amount of data is a deterrent in analysing vehicle crash datasets, and the process costs a lot of time. Data visualisation is a technique that allows people to display data in a more infographic form via data visualisation models. Therefore, this study aims to promote and elaborate more on data visualisation techniques using the interactive map and data dashboard to display vehicle crash data. Interactive map and data dashboard can help the government and transportation experts to describe vehicle crash data for them to make right decision to lessen car accident issues. The interactive map focuses on displaying vehicle crash data in map presentation while the data dashboard shows some charts and graph that describe the vehicle crash data in the statistical form. This study can be a reference model of creating interactive map and data dashboard or enhancing the capabilities in managing vehicle crash.


2019 ◽  
Vol 3 (1) ◽  
pp. 22-28
Author(s):  
Muhammad Rasyid Ridho Lubis ◽  
Dwi Kartikasari

Dendang Melayu Beach is a public beach that is being developed by the Batam City Government. Although various efforts have been made by the government to increase the number of visitors to this beach, it turns out that the number of visitors has not necessarily increased consistently but fluctuated up and down. Therefore, this research was carried out to further explore the behavior of visitors in the hope that it could become a material evaluation of the government in developing this tourist attraction. This study aims to examine the effect of consumer behavior on the selection of Dendang Melayu Beach tourist attractions. The respondents of this study were 100 tourists who visited the Batam Dendang Beach. The data analysis method used is inductive statistics using multiple linear regression. The results of this study are the four variables of consumer behavior namely cultural, social, personal and psychological factors partially positive and significant effect on the choice of tourist attractions.


2017 ◽  
Vol 7 (1) ◽  
pp. 1
Author(s):  
Agus Saiful Abib ◽  
Efi Yulistyowati ◽  
Amri Panahatan Sihotang

<p>Tahun 2016, pemerintah mengeluarkan kembali kebijakan <em>Tax</em> <em>Amnesty </em>yang dituangkan dalam Undang-Undang Nomor 11 Tahun 2016 tentang Pengampunan Pajak. Pengampunan Pajak (<em>Tax</em> <em>Amnesty)</em> ini diharapkan dapat meningkatkan penerimaan pajak dalam jangka pendek melalui pembayaran uang tebusan, meningkatkan penerimaan pajak dalam jangka panjang melalui perluasan basis data pemajakan, meningkatkan kepatuhan Wajib Pajak, transisi ke sistem perpajakan baru yang lebih kuat dan adil, dan mendorong rekonsiliasi perpajakan nasional. Sehubungan dengan hal tersebut, untuk mengetahui apakah program <em>Tax</em> <em>Amnesty</em> Indonesia Tahun 2016 berhasil atau tidak, khususnya dalam meningkatkan kepatuhan wajib pajak, maka perlu dilakukan penelitian tentang : “Implikasi Penerapan Undang-Undang Nomor 11 Tahun 2016 tentang Pengampunan Pajak (<em>Tax</em> <em>Amnesty</em>) dalam Meningkatkan Kepatuhan Wajib Pajak”. Adapun permasalahan yang akan dibahas adalah bagaimana implikasi penerapan Undang-Undang Nomor 11 Tahun 2016 tentang Pengampunan Pajak<em> (Tax</em> <em>Amnesty)</em> dalam meningkatkan kepatuhan Wajib Pajak ? Berdasarkan implikasi tersebut, maka bagaimana sebaiknya pengaturan perpajakan yang akan datang ? Berdasarkan permasalahan tersebut jenis penelitian ini adalah yuridis normatif yang akan dikaji dengan pendekatan perundang-undangan, spesifikasi penelitiannya diskriptif analitis, data yang dipergunakan data sekunder, yang dianalisis secara kualitatif. Hasil penelitian menunjukkan bahwa implikasi penerapan Undang-Undang Nomor 11 Tahun 2016 tentang Pengampunan Pajak<em> (Tax</em> <em>Amnesty)</em> dapat meningkatkan kepatuhan Wajib Pajak, dan berdasarkan implikasi tersebut SE Dirjen Pajak No. SE - 06/PJ/2017 seharusnya tidak hanya untuk tahun pajak 2017 saja, tetapi juga untuk tahun-tahun yang akan datang. Di samping itu perlu ada peraturan yang mengatur tentang pengawasan terhadap pelaksanaan hak Wajib Pajak.</p><pre>In 2016, the government re-issue the Tax Amnesty policy as outlined in Law Number 11 Year 2016 on Tax Amnesty. The Tax Amnesty is expected to increase tax revenue in the short term through ransom payments, increase tax revenues over the long term through the expansion of taxation databases, increase taxpayer compliance, transition to a stronger and more just tax system, and encourage national tax reconciliation. In relation to this matter, to find out whether the program of Tax Amnesty Indonesia Year 2016 succeed or not, especially in increasing taxpayer compliance, it is necessary to do research on: "Implications Implementation of Law Number 11 Year 2016 on Tax Amnesty in Improving Taxpayer Compliance ". The problem to be discussed is how the implications of the implementation of Law Number 11 Year 2016 on Tax Amendment (Tax Amnesty) in improving taxpayer compliance? Based on these implications, then how should the taxation arrangements to come? Based on the problem, this type of research is normative juridical which will be studied with the approach of legislation, the analytical descriptive research specification, the data used secondary data, which analyzed qualitatively. The result of the research shows that the implication of the implementation of Law Number 11 Year 2016 on Tax Amnesty can improve Taxpayer compliance, and based on the implication of SE Dirjen Pajak No. SE - 06 / PJ / 2017 should not only be for the fiscal year 2017 alone, but also for the years to come. In addition, there should be a regulation that regulates the supervision of the implementation of taxpayers' rights.</pre>


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