User Experience (UX) Design Factors Influencing Mobile Payment Adoption Among College Students
Published: 2026
Author(s) Name: B. Hannah, M. Anusuya, S. Varuneshwaran |
Author(s) Affiliation: Bishop Heber College (Affiliated to Bharathidasan University), Trichy, Tamil Nadu, India.
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Abstract
The study delves into the influence of user experience (UX) design factors on the adoption of mobile payment applications among college students in Trichy, a city experiencing rapid digital transformation. As mobile payments become increasingly prominent, understanding the key drivers behind user adoption is essential for app developers and financial technology providers. Focusing on college students, a tech-savvy and financially nascent demographic, this research aims to identify the impact of various UX elements – security, ease of use, interface design, and navigation – on satisfaction and willingness to adopt mobile payment platforms. The study employs a survey-based approach, collecting data from a sample of college students in Trichy. The survey measures user experiences across several mobile payment apps, including Google Pay, Paytm, PhonePe, and BHIM among others. Independent variables such as security, ease of use, interface design, feature accessibility, and navigation are analysed in relation to the dependent variable, which is mobile payment adoption and user satisfaction. This study explores UX design’s role in shaping young adults’ digital payment behaviour, aiming to enhance mobile payment adoption.
Keywords: UX Design, Mobile Payments, Technology, Digital Transformation
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