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Summer 2022

ISSN 0890-913X

Volume 37, Number 2

Categories: Summer 2022 | COVID-19 – Economic aspects | Technological Innovations

FinTech Adoption among Online Grocery Buyers during COVID-19 Lockdowns in Nepal

Pragya Maharjan, Quest International College, Pokhara University

Niranjan Devkota, Quest International College, Pokhara University

Sushanta Mahapatra, Institute of Chartered Financial Analysts of India Business School, Hyderabad

Ihtsham Ul Haq Padda, Federal Urdu University for Arts Science and Technology

Krishna Dhakal, Quest International College, Pokhara University

Surendra Mahato, Tribhuvan University

Ghanashyam Khanal, Morgan International College, Tribhuvan University

Seeprata Parajuli, Quest International College, Pokhara University

Udaya Raj Paudel, Quest International College, Pokhara University

Ujjwal Bhattarai, Quest International College, Pokhara University

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TheJournalofPrivateEnterprise37(2),2022,57-89FinTechAdoptionamongOnlineGroceryBuyersduringCOVID-19LockdownsinNepalPragyaMaharjan1,NiranjanDevkota2,SushantaMahapatra3,IhtshamUlHaqPadda4,KrishnaDhakal5,SurendraMahato6,GhanashyamKhanal7,SeeprataParajuli8,UdayaRajPaudel9,UjjwalBhattarai10AbstractFinTechhasnotonlybecomeabuzzwordbutalsobroughtseveralbusinessopportunitiesinthefinancialworld,withthepotentialtoincreasefinancialinclusion,enhancepeople’sdailylives,andspurgrowth.Theissueofonlinebuyers’knowledgeaboutFinTechadoptionhasemergedfromtherapidtrendofdigitaltechnologyinKathmanduValley.Italsosuggeststhatdemographicvariables(ageandgender)anddigitalactivity(internetexperienceandlevelofawareness)mitigatethemajorcorrelations.Thispaperaimstounderstandonlinegrocerybuyers’priorknowledgeimprintinFinTechadoptionduringCOVID-19lockdowns.Anexploratoryresearchdesignwasadopted,anddatawerecollectedthroughstructuredquestionnairesusingbothdescriptiveandinferentialstatisticswiththehelpofstructuralequationmodeling.Wefindthatthemostrespondentsareagedtwenty-onetoforty,showingthatmostyouthareattractedtotechnologicalinnovationinFinTech(e-commerceande-banking).Wefindthattwo-thirdsofonlinebuyersinKathmanduValleyarefacingthechallengeofFinTechadoptionduetoslowinternetandlackofawarenessaboutitsapplications.Thestructuralequationmodelingshowsthatsixoutofeightconstructsarefitandvalidatedwiththemodel.Attitudehasasignificanteffectonactualpurchases,whereastrustdoesnotplayapartialmediatingrolebetweendependentandindependentvariables.Theinternetasadigitalmarketplacehasbecomeanimportantpartofmarketingstrategyandcustomer-1QuestInternationalCollege,PokharaUniversity2QuestInternationalCollege,PokharaUniversity3InstituteofCharteredFinancialAnalystsofIndiaBusinessSchool,Hyderabad4FederalUrduUniversityforArtsScienceandTechnology5QuestInternationalCollege,PokharaUniversity6TribhuvanUniversity7MorganInternationalCollege,TribhuvanUniversity8QuestInternationalCollege,PokharaUniversity9QuestInternationalCollege,PokharaUniversity10QuestInternationalCollege,PokharaUniversity

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Title	FinTech Adoption among Online Grocery Buyers during COVID-19 Lockdowns in Nepal
Authors/Creators:	Pragya Maharjan, Quest International College, Pokhara University Niranjan Devkota, Quest International College, Pokhara University Sushanta Mahapatra, Institute of Chartered Financial Analysts of India Business School, Hyderabad Ihtsham Ul Haq Padda, Federal Urdu University for Arts Science and Technology Krishna Dhakal, Quest International College, Pokhara University Surendra Mahato, Tribhuvan University Ghanashyam Khanal, Morgan International College, Tribhuvan University Seeprata Parajuli, Quest International College, Pokhara University Udaya Raj Paudel, Quest International College, Pokhara University Ujjwal Bhattarai, Quest International College, Pokhara University
Year:	2022
Volume:	37
Number:	2
Pages:	57 - 89
Publisher:	The Association of Private Enterprise Education
ISSN:	0890-913X
Document Type:	Articles
Keywords:	online grocery buyers, FinTech adoption, buyer satisfaction, COVID-19 lockdowns, structural equation modeling

Citation:
Maharjan, Pragya; Devkota, Niranjan; Mahapatra, Sushanta; Haq Padda, Ihtsham Ul; Dhakal, Krishna; Mahato, Surendra; Khanal, Ghanashyam; Parajuli, Seeprata; Paudel, Udaya Raj; Bhattarai, Ujjwal / 2022. "FinTech Adoption among Online Grocery Buyers during COVID-19 Lockdowns in Nepal." The Journal of Private Enterprise, 37(2): 57-89.