The National Payments Corporation of India (NPCI) has invested a sizable amount of money in the country's massive payment infrastructure in an effort to enhance the user experience. However, in order for investments to be profitable, NPCI must guarantee the ongoing use of technological solutions and post-adoptive behaviors like continuance and recommendation intention. The impact of cognitive factors (i.e. Performance expectancy, effort expectancy, social influences, facilitating conditions; personal innovativeness) and affective factors (such as satisfaction) on conative factors (such as continuation and recommendation intention) in the perspective of UPI applications (apps) was investigated using the UTAUT model. Partial Least Square Structural Equation Modeling when applied on 651 users (PLS-SEM) showed that satisfaction had a direct impact on continuation intentions, which in turn had an impact on recommendations intentions. It was discovered that all cognitive factors, including performance expectations, effort expectations, and facilitating conditions, have an impact on satisfaction. According to the study, adding a significant individual difference variable—personal innovativeness with regard to information technology—would aid in our understanding of the role that these factors play in the development of continuous intention. It further examines the influence of trust and security, and the pace of innovation on continued intentions. Through the mediating function of user satisfaction, it also looked at the impact of performance expectancy, effort expectancy, social influence, facilitating variable, and personal innovativeness on the continuance intentions of the UPI system. All factors have been shown to be significant. Future researchers will find it extremely helpful that the study used a validated instrument to better understand user adherence and referral intentions. Therefore, this study adds to the limited body of knowledge in the payment industry literature by examining how users perceive UPI apps and post-adoption behaviors.

The with development of smartphones, technology has played a greater role in recent years, drastically altering how we trade in daily life. Now that all payments and transactions take place online, life has gotten more simpler. This accelerated the development of the UPI platform. The goal of the current study is to gauge user satisfaction and continuance intentions for UPI. This study develops a research model using personal innovativeness and pace of innovation to predict the continuance intention toward UPI based on the Unified theory of acceptance and use of technology (UTAUT). We conduct an online survey to collect data from participants who have used UPI. The research model is tested in this study utilising a partial least squares structural equation model with 651 valid replies. According to our findings, satisfaction with UPI serves as a mediator between antecedents and continuing intentions by positively affecting them. This paper explores theoretical implications for the UTAUT and offers an insight of how to manage UPI in India on a practical level.