Title: Exploring User Acceptance of Electronic Payment Systems in Nepal – My MCIS Thesis Journey
I’m thrilled to share a significant milestone in my academic journey — the completion of my Master’s Thesis for the Master of Computer Information System (MCIS) program, affiliated with Pokhara University. My name is Niranjan Kumar Das, and the title of my thesis is:
“Electronic Payment System in Nepal: A Study on User Acceptance.”
Why This Topic?
Nepal is experiencing rapid digital transformation, and one of the key drivers is the shift toward cashless transactions. From mobile wallets like eSewa and Khalti to online banking and QR-based payments, electronic payment systems are becoming an essential part of daily life. Yet, user acceptance remains a critical challenge. I chose this topic to explore how people perceive, adopt, and trust these systems — and what factors are influencing or hindering this adoption.
Objectives of My Research
- To evaluate the current landscape of electronic payment systems in Nepal.
- To identify key factors influencing user acceptance (like perceived ease of use, trust, security, and usefulness).
- To provide recommendations for improving user engagement and acceptance of digital payment platforms.
Methodology
Using a combination of quantitative surveys and literature review, I analyzed feedback from a diverse group of users — including students, professionals, and small business owners. The Technology Acceptance Model (TAM) played a central role in shaping my analysis framework.
Key Findings
- Trust and security were the most significant factors affecting user acceptance.
- Younger users were more open to adopting electronic payments, primarily due to their tech-savviness and exposure.
- Many users expressed concern over transaction errors and lack of awareness about dispute resolution mechanisms.
Conclusion
Electronic payments are the future, but their success in Nepal hinges on improving digital literacy, enhancing trust, and making systems more user-friendly. My thesis offers a small but meaningful contribution toward that future.
I’m deeply grateful to my faculty, advisors, and peers at Pokhara University for their support throughout this journey. I look forward to applying this knowledge to real-world solutions that drive digital transformation in Nepal.
📚 If you're interested in learning more about my research or collaborating in this space, feel free to reach out!
