How useful is Digital Locker? An Empirical Study in Indian Context

Jyotsana Singh Bharati ., Arpit Garg .

Abstract


Sharing documents with various government and private agencies for different purposes is a tedious task. Government of India has initiated Digilocker (or digital locker) in July 2015, with the aim of minimizing the usage of physical documents and enable sharing of e-documents across agencies. It is a repository of digital documents for each resident of the country. Digital locker helps citizen to store the documents, certificates etc. online and the portal is linked to UID Aadhaar Card.  This paper focus on how useful will be the digital locker and further tries to investigate the factors such as perceived ease of use, social influence, variety of service and perceived risk and their influence on digital locker usefulness for Indian citizen. A convenience sampling technique was employed to collected data from 165 respondents representing the desired range of demographic characteristics (e.g. gender, age, and education). The finding suggests that Perceived ease of use, variety of services has a strong positive influence on usefulness of Digital locker while Perceived risk and Social influence has less impact on Indian consumer.


Keywords


Digital locker, Perceived usefulness, Online Repository, Social Influence, Perceived Risk

Full Text:

PDF

References


Digital Locker –1,00,000 Mark in 100 Days. (2016). Pib.nic.in. Retrieved 4 April 2016, from http://pib.nic.in/newsite/PrintRelease.aspx?relid=122091

DigiLocker. (2016). Digilocker.gov.in. Retrieved 4 April 2016, from https://digilocker.gov.in/

Jahangir,N& Begum,N.(2008)The role of perceived usefulness, perceived ease of use, security and privacy, and customer attitude to engender customer adaptation in the context of electronic banking. African Journal Of Business Management Vol.2 (1), Pp. 032-040, February

Al-Ajam, A.& Nor (2013).Internet Banking Adoption: Integrating Technology Acceptance Model and Trust. (2016). European Journal Of Business And Management www.Iiste.Org ISSN 2222-1905 (Paper) ISSN 2222-2839 (Online) Vol.5, No.3

Alkhunaizan, A., & Love, D. (2012). What drives mobile commerce? An empirical evaluation of the revised UTAUT model. International Journal Of Management And Marketing Academy, Vol. 2, No. 1, Pp. 82-99..

Singh, S., & Islam, J. (2015). Emergence of M-commerce in India. Advances In Economics And Business Management (AEBM), Volume 2, Number 5; April-June, 2015 pp. 529-533.

(2016). Retrieved 4 April 2016, from . http://www.aadharcardkendra.org.in/aadhar-linked-digital-locker-detailed-information-394/

Digital Locker Scheduled to be Launched on 1st July 2015 by the Hon. Prime Minister. (2015). Retrieved 6 April 2016, from https://blog.mygov.in/digital-locker-scheduled-to-be-launched-on-1st-july-2015-by-the-hon-prime-minister/

Dubbudu, R., Dubbudu, R., & Dubbudu, R. (2015). The Government of India has launched Digital Locker. Factly. Retrieved 4 April 2016, from https://factly.in/digital-locker-india-government-launched-for-sharing-documents/

Business analytics, (2012). Factor Analysis - KMO-Bartlett's Test & Rotated Component Matrix. Retrieved from: http://badmforum.blogspot.in/2012/08/factor-analysis-kmobartletts-test.html

Rogers EM (1962) Diffusion of Innovations (1st ed.): Free Press, New York, NY.

Rogers EM. (1983) Diffusion of Innovations (4th ed.): The Free Press,New York, NY.

Zeithaml VA, Parasuraman A, Malhotra A (2002). Service quality delivery through Web sites: a critical review of extant knowledge. J.

Mathieson K (1991). Predicting user intentions: comparing the technology acceptance model with the theory of planned behavior.Info. Syst. Res. 2(3): 173-191.

Consult AN (2002). China Online Banking Study. Available: http://estore.chinaonline. com/chinonlbanstu.html.

Hernandez JMC, Mazzon JA (2007). Adoption of internet banking: proposition and implementation of an integrated methodology approach, International J. Bank Mark. 25 (2): 72-88.

Westin AF, Maurici D (1998). E-commerce & privacy: what the net users want. Privacy & American Business, and PricewaterhouseCoopers LLP, New York, NY, available at: www.pwcglobal.com/gx/eng/svcs/privacy/images/E-Commerce.pdf

Cranor LF, Reagle J, Ackerman MS (1999). Beyond concern: understanding net users’ attitudes about online privacy, technical report, TR 99.4.3, AT&T Labs –Research, available at:www.research.att.com/resources/ trs/TRs/99/99.4/99.4.3/report.htm.

Chong ,A.Y.L.(2013).”Predicting m-commerce adopting determinants: A neural network approach”, Expert systems with applications.Vol.40, No.2,pp.523-530

Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS Quarterly, , 425-478.

Lu, J., Liu, C., Yu, C. S., & Wang, K. (2008). Determinants of accepting wireless mobile data services in china.Information & Management, 45(1), 52-64.

Rogers, E. M. (1995). Diffusion of innovations Free Pr.

Fan, Y., Saliba, A., Kendall, E. A., & Newmarch, J. (2005). Speech interface: An enhancer to the acceptance of m-commerce applications. Mobile Business, 2005. ICMB 2005. International Conference on, 445-451.

Guriting P, Ndubisi NO (2006). Borneo online banking: evaluating customer perceptions and behavioural intention. Manage. Res. News. 29 (1/2), 6-15.

Eriksson K, Kerem K, Nilsson D (2005). Customer acceptance of internet banking in Estonia, Int. J. Bank Mark. 23 (2), 200-216.

Laforet S, Li X (2005). Consumers’ attitudes towards online and mobile banking in China. Int. J. Bank Mark. 23 (5): 362-380.

Liao Z, Cheung MT (2002). Internet-based e-banking and consumer attitudes: an empirical study. Info. Manage. 39(4): 283-295.

Davis FD, Bagozzi RP, Warshaw PR (1992). Extrinsic and intrinsic motivation to use computers in the workplace. J. Appl. Soc. Psychol. 22(14): 1109-1130.

Davis FD (1993). User acceptance of information technology: system characteristics, user perceptions and behavioral impacts. Int. J. Man.Mach. Stud. 38: 475-487.

Mathwick C, Rigdon Malhotra NK (2001). The effect of dynamic retail experiences on experiential perceptions of value: an Internet and catalog comparison. J. Retailing, 78(1): 51-60.


Refbacks

  • There are currently no refbacks.




Editorial Office:

Educational Research Multimedia & Publications,
S.N. 21, Plot No 24, Mirza Ghalib Road Malegaon Nasik,
Maharashtra India - 423203.
+919764558895 (whatsapp),
editor@scholarshub.net, www.scholarshub.net

Copyrights © 2010-2020 - ERM Publications, India     

This work is licensed under https://creativecommons.org/licenses/by-sa/4.0/