IOSR-JBM   Volume-28 ~ Issue-4 ~ April 2026

Abstract: Digital payments have revolutionised India’s financial ecosystem; however, adoption levels in rural regions remain inconsistent despite major government drives such as Unified Payments Interface (UPI) and Pradhan Mantri Jan Dhan Yojana (PMJDY). This empirical study investigates the perceptions and key drivers of digital payment adoption among 480 rural respondents selected from East and West Godavari districts of Andhra Pradesh. Employing a structured questionnaire and a mixed-methods design, the research extends the Unified Theory of Acceptance and Use of Technology (UTAUT) by incorporating perceived security, customer support.......

Keywords: digital payments, rural adoption, customer perception, UTAUT, perceived security, technology self-efficacy, Andhra Pradesh.

[1]. Aigbe, P., & Akpojaro, J. (2014). Analysis Of Security Issues In Electronic Payment Systems. International Journal Of Computer Applications, 108(10), 10–14. Https://Doi.Org/10.5120/18946-9993
[2]. Akinola, O. S. (2012). Cashless Society, Problems And Prospects. Data Mining Research Potentials, International Journal Of Computer Science And Telecommunications, 3(8), 49- 55.
[3]. Allen J, Carbo-Valverde S, Chakravorti S, Rodriguez-Fernandez F, Pinarardic O (2022) Assessing Incentives To Increase Digital Payment Acceptance And Usage: A Machine Learning Approach. Plos ONE 17(11): E0276203.
[4]. Almarashdeh, I. (2018). An Overview Of Technology Evolution: Investigating The Factors Influencing Non-Bitcoins Users To Adopt Bitcoins As Online Payment Transaction Method. Journal Of Theoretical Andapplied Information Technology, 96(13), 3984–3993.
[5]. Al-Qudah, A. A., Al-Okaily, M., Alqudah, G., & Ghazlat, A. (2022). Mobile Payment Adoption In The Time Of The COVID-19 Pandemic. Electronic Commerce Research, 1-25.

Abstract: In the present day, digital transformation is taking place across all industries. Yet traditional Indian businesses are left behind, battling to transform in this digital age. Digital transformation is defined by Verhoef et al. (2021) as the change of how a company uses digital technology to formulate a new digital business model that facilitates more value creation and appropriation from the business. This study aims to explore the digital transformation of traditional Indian enterprises. A mixed methods concurrent triangulation model was employed to collect data from......

Keywords: digital transformation, traditional businesses, India, mixed methods, thematic analysis, SMEs, digital maturity, organizational resistance, Technology Acceptance Model, dynamic capabilities

[1]. Bharadwaj, A., El Sawy, O. A., Pavlou, P. A., & Venkatraman, N. (2013). Digital Business Strategy: Toward A Next Generation Of Insights. MIS Quarterly, 37(2), 471-482. Https://Doi.Org/10.25300/MISQ/2013/37:2.3
[2]. Braun, V., & Clarke, V. (2006). Using Thematic Analysis In Psychology. Qualitative Research In Psychology, 3(2), 77-101.
Https://Doi.Org/10.1191/1478088706qp063oa
[3]. Christensen, C. M. (1997). The Innovator's Dilemma: When New Technologies Cause Great Firms To Fail. Harvard Business School Press.
[4]. Creswell, J. W., & Plano Clark, V. L. (2018). Designing And Conducting Mixed Methods Research (3rd Ed.). SAGE Publications.
[5]. Davis, F. D. (1989). Perceived Usefulness, Perceived Ease Of Use, And User Acceptance Of Information Technology. MIS Quarterly, 13(3), 319-340. Https://Doi.Org/10.2307/249008.

Abstract: The rapid shift to remote work in higher education, accelerated by COVID-19, raises questions about its effects on lecturers’ effectiveness. This qualitative study, guided by the Job Demands–Resources model, explored how remote work affects lecturers at Nnamdi Azikiwe University, Awka. Five lecturers were interviewed and transcripts analyzed in MAXQDA, producing five themes: impact on performance, communication and collaboration, access to resources and technology, time management and productivity, and advantages/disadvantages. Findings show a mixed outcome.......

Keywords: remote work system, performance.

[1]. Ahmad S (2021). Motivation And Performance: A Psychological Process. International Journal Of Business And Management Research, 9(2), 104-112.
[2]. Allen J., Stevenson R., Wang T (2021). Creative And Resourceful: How Human, Social, And Psychological Resources Affect Creative Workers’ Ability To Rebound After Failure. Small Business Economics, 57(2), 705-719.
[3]. Ashkanasy NM., Cooper CL., Barling J (Eds.). (2025). Imagining The Post-Covid Workplace: Challenges And Opportunities.
[4]. Chinelo SN., Ndidiamaka JO., Ejike AA (2023). ASUU Strike On The Academic Performance Of Students In Tertiary Institutions In Nigeria. European Journal Of Science, Innovation And Technology 3(3), 274-287.
[5]. Coelho FA., Faiad C., Rego MCB., Ramos WM (2020). What Brazilian Workers Think About Flexible Work And Telework. International Journal Of Business Excellence, 20(1), 16–31..

Abstract: The study titled “Flexible Hybrid Work Arrangements and Employee Performance in Public-Owned Media Corporations in Ebonyi State” investigates how flexibility in work structure influences employee productivity and efficiency. The primary objective of the study is to determine the extent to which hybrid flexibility—particularly in terms of work location and scheduling—affects employee performance outcomes in public media organizations. The study is anchored on the Job Characteristics Theory (Hackman & Oldham, 1976), which emphasizes that job autonomy and flexibility are critical drivers of employee motivation and improved performance. The theory suggests that when......

Keywords: Flexible Hybrid Work Arrangements, Employee Performance, Work Flexibility, Technological Support, Communication Systems, Work-Life Balance

[1]. Adeosun, O. T., & Ohiani, A. S. (2020). Information And Communication Technology And Employee Performance In Nigeria. Journal Of Public Administration And Policy Research, 12(2), 45–52.
[2]. Allen, T. D., Golden, T. D., & Shockley, K. M. (2015). How Effective Is Telecommuting? Assessing The Status Of Our Scientific Findings. Psychological Science In The Public Interest, 16(2), 40–68.
[3]. Bloom, N., Han, R., & Liang, J. (2024). Hybrid Working From Home Improves Retention Without Damaging Performance. Nature, 618, 123–130. Https://Www.Nature.Com/Articles/S41586-024-07500-2
[4]. Bloom, N., Liang, J., Roberts, J., & Ying, Z. J. (2015). Does Working From Home Work? Evidence From A Chinese Experiment. Quarterly Journal Of Economics, 130(1), 165–218.
[5]. Campbell, J. P. (1990). Modeling The Performance Prediction Problem In Industrial And Organizational Psychology. In M. D. Dunnette & L. M. Hough (Eds.), Handbook Of Industrial And Organizational Psychology (Pp. 687–732). Palo Alto, CA: Consulting Psychologists Press.

Abstract: There have been notable changes in the pattern of consumption behaviour due to the fast growth of food delivery apps in India, not just in metropolitan cities but even Tier-3 cities. Nevertheless, few studies have been done to understand the factors affecting the frequency of usage of these apps in emerging urban markets. This study aims to determine the behavioural determinants of frequent usage of food delivery apps for consumption among university students in Tier-3 Indian cities. A cross-sectional study design utilizing a survey method was used to gather data......

Keywords: Food delivery apps, frequent usage behaviour, habit formation, discount attractiveness, convenience perception, impulse ordering, price sensitivity, Tier-3 cities, consumer behaviour.

[1]. An, S., Eck, T., & Yim, H. (2023). Understanding Consumers’ Acceptance Intention To Use Mobile Food Delivery Applications Through An Extended Technology Acceptance Model. Sustainability, 15(1), 832. Https://Doi.Org/10.3390/Su15010832
[2]. Barcelona, J., Cynic, C., Ragos, M., Libunao, V., & Misa, M. (2024). Beyond Perception Of Convenience: Exploring Student Use Of Food Delivery Services. Review Of Management, Accounting, And Business Studies, 5(2).
Https://Doi.Org/10.38043/Revenue.V5i2.5647
[3]. Burlea‐Schiopoiu, A., Puiu, S., & Dinu, A. (2021). The Impact Of Food Delivery Applications On Romanian Consumers’ Behaviour During The COVID-19 Pandemic. Socio-Economic Planning Sciences, 82, 101220. Https://Doi.Org/10.1016/J.Seps.2021.101220[4].
Butar, R., Dharmawan, D., Amelia, D., Mulyani, M., & Nuryanto, U. (2023). Analysis Of The Effect Of Price Discount On Technology Perceived Quality, Technology Perceived Value And Perceived Savings On Intention To Use Digital Payment Application Gopay. Jurnal Informasi Dan Teknologi, 5(4). Https://Doi.Org/10.60083/Jidt.V5i4.438
[5]. Büyükdağ, N., Soysal, A., & Ki̇tapci, O. (2020). The Effect Of Specific Discount Patterns In Terms Of Price Promotions On Perceived Price Attractiveness And Purchase Intention: An Experimental Research. Journal Of Retailing And Consumer Services, 55, 102112. Https://Doi.Org/10.1016/J.Jretconser.2020.10211..

Abstract: This study aims to analyze the determinants of employment in the Iraqi agricultural sector in a turbulent economic environment, with a particular focus on the role of inflation shocks and exchange rate fluctuations, and the mediating role of agricultural investment for the period 1990-2024. To achieve the research objectives, a nonlinear time series methodology with distributed lag periods (NARDL) was applied to annual data. This model includes an analysis of the asymmetric effects of both positive and negative shocks. The empirical results demonstrate a long-run asymmetric equilibrium relationship between monetary variables and agricultural employment.......

Keywords: Inflation shocks, exchange rate, agricultural investment, employment in the agricultural, NARDL.

[1]. Khan, Y.A. And Wang, H. (2022). 'Impact Of Inflation And Exchange Rate Volatility On Agricultural Income: A Dynamic Panel Data Analysis'. Sustainability, 14(3), P. 1567. DOI: Https://Doi.Org/10.3390/Su14031567
[2]. FAO (2023). The State Of Food Security And Nutrition In The World 2023: Urbanization, Agrifood Systems Transformation And Healthy Diets Across The Rural–Urban Continuum. Rome: Food And Agriculture Organization Of The United Nations. DOI: Https://Doi.Org/10.4060/Cc3017en
[3]. Eregha, P.B. And Mesagan, E.P. (2022). 'Oil Resource Abundance, Institutions And Growth: Evidence From Oil Producing African Countries'. Resources Policy, 79, P.102986. DOI: Https://Doi.Org/10.1016/J.Resourpol.2022.102986
[4]. Chandio, A.A., Jiang, Y. And Rehman, A. (2023). 'Does Inflation Matter For Agricultural Output? Empirical Evidence From Arable Land Contexts'. Environmental Science And Pollution Research, 30(5), Pp. 12345-12359. DOI: Https://Doi.Org/10.1007/S11356-022-22986-X
[5]. Eregha, P.B. And Mesagan, E.P. (2022). 'Oil Resource Abundance, Institutions And Growth: Evidence From Oil Producing African Countries'. Resources Policy, 79, P.102986. DOI: Https://Doi.Org/10.1016/J.Resourpol.2022.102986

Abstract: The Korean Wave or Hallyu phenomenon is increasingly influencing consumer purchasing decisions, especially through the use of brand ambassadors in marketing strategies. This study aims to analyze the influence of the Korean Wave on purchasing decisions with fanaticism as a moderating variable. The research method used is Partial Least Squares - Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0, involving respondents in Jakarta.......

Keywords: Korean Wave, Brand Ambassador, Fanaticism, Purchase Decision.

[1]. Aisyah, M. (2023). The Impact Of A Regional Brand Ambassador And Social Media Advertising On Brand Trust And Brand Loyalty Of Lazada In Indonesia. International Journal Of Data And Network Science, 7(4), 1929-1940. Http://Dx.Doi.Org/10.5267/J.Ijdns.2023.6.019
[2]. Amalia, L., Wulandari, D. K., Hadiputra, D. K., & Heriyati, P. (2024). The Influence Of Korean Wave, Brand Ambassador, Koreanesque Brand Image Of Local Cosmetic And Product Price On Purchase Intention Of Local Cosmetic. Eduvest-Journal Of Universal Studies, 4(12), 12128-12146. Https://Doi.Org/10.59188/Eduvest.V4i12.1645
[3]. Ardani, V. E., & Wati, K. M. (2024). Pengaruh Brand Image, Korean Wave, Sikap Fanatisme, Dan Brand Ambassador Terhadap Keputusan Pembelian Ultra Milk Edisi Kolaborasi Stray Kids. Journal Of Management And Social Sciences, 3(3), 76-91. Https://Doi.Org/10.55606/Jimas.V3i3.1435
[4]. Chang, H. H., Wang, Y.-H., & Yang, W.-Y. (2009). The Impact Of E-Service Quality, Customer Satisfaction And Loyalty On E-Marketing: Moderating Effect Of Perceived Value. Total Quality Management, 20(4), 423-443. Https://Www.Tandfonline.Com/Action/Showcitformats?Doi=10.1080/14783360902781923
[5]. Dewi, L. G. P. S., Edyanto, N., & Siagian, H. (2020). The Effect Of Brand Ambassador, Brand Image, And Brand Awareness On Purchase Decision Of Pantene Shampoo In Surabaya, Indonesia. SHS Web Of Conferences, 76, 01023. Https://Doi.Org/10.1051/Shsconf/20207601023

Abstract: Developing countries such as Kenya rely heavily on external and domestic borrowing to finance economic development and bridge budget deficits. Kenya’s public debt remains at a high risk of distress, with most of the tax revenues generated in the country being used to make interest payments. The country has increased its domestic borrowing levels over the years in an effort to reduce external borrowing. The high levels of domestic public debt in Kenya are fast approaching unsustainable levels. Even though domestic debt reduces the exposure to foreign exchange risks and provides the government with a more stable source of funding, concerns have been raised about its potential impacts on the sustainability of national debt.......

Keywords: Public Debt Sustainability, Treasury Bond, Treasury Bills, Public Debt, Debt Servicing Costs.

[1]. Agusto And Co. (2024). Balancing On The Debt Tightrope: Kenya’s Debt Sustainability Analysis. Nairobi: Agusto & Co. Https://Www.Agusto.Co.Ke/Event/Publications/Balancing-On-The-Debt-Tightrope-Kenyas-Debt-Sustainability-Analysis/
[2]. Aladejare, S. A. (2020). Debt Servicing And Economic Sustainability In Sub-Saharan Africa. African Development Review, 32(S1), 108–121. Https://Doi.Org/10.1111/1467-8268.12447
[3]. Bohn, H. (1995). The Sustainability Of Budget Deficits In A Stochastic Economy. Journal Of Money, Credit And Banking, 27(1), 257–271. Https://Doi.Org/10.2307/2077862
[4]. Desmond, E., Ihuoma, E., & Udochukwu, A. (2023). Effects Of Domestic Debt Securities On Economic Growth In Nigeria. International Journal Of Research And Innovation In Social Science (IJRISS), 7(5), 252–260.
[5]. Hassan, M. A., Ongeri, B., & Ndolo, D. (2023). The Effect Of National Public Debt On Economic Growth In Kenya. European Scientific Journal, 2. Https://Doi.Org/10.19044/Esipreprint.2.2023p275

Abstract: This study examined structured hybrid work systems and employee performance in public-owned media corporations in Ebonyi State, Nigeria. The objectives were to determine the relationship between structured hybrid work systems and employee performance, assess the influence of technological support, and evaluate the impact of communication systems on employee performance. The study was anchored on Work Design Theory and the Technology.......

[1]. Adeosun, O. T., & Ohiani, A. S. (2020). Information And Communication Technology And Employee Performance In Nigeria. Journal Of Public Administration And Policy Research, 12(2), 45–52.
[2]. Akinwale, A., Adeyemi, T., & Okafor, C. (2024). Hybrid Work, Work Engagement, And Job Performance Among University Employees In Nigeria. Journal Of African Business.
[3]. Allen, T. D., Golden, T. D., & Shockley, K. M. (2015). How Effective Is Telecommuting? Assessing The Status Of Our Scientific Findings. Psychological Science In The Public Interest, 16(2), 40–68.
[4]. Bloom, N., Han, R., & Liang, J. (2024). Hybrid Working From Home Improves Retention Without Damaging Performance. Nature.
[5]. Bloom, N., Liang, J., Roberts, J., & Ying, Z. J. (2015). Does Working From Home Work? Evidence From A Chinese Experiment. Quarterly Journal Of Economics, 130(1), 165–218

Abstract: The broad objective of this is to shed light on the effect of innovations in electricity infrastructure on sustainability of small businesses (SBs). The study adopted a descriptive survey research design and the population for this study was drawn from SMEDAN (2022). The study population consists of 2,394 SBs owners or representative. Simple random sampling was adopted, while Yamane sampling techniques was adopted to determine sample size of 342.. The primary data was collected through the administration of questionnaires and descriptive statistics.....

[1]. Abdulkadir, T. S., Sulyman, A. B., Mohammed, A. A., Aremu, A. S., Salami, A. W., Surajudeen, M., ... & Afolabi, A. A. (2023). A Review Of Sustainable Hydropower Generation In Nigeria. Acta Technica Corviniensis-Bulletin Of Engineering, 16(4), 125-131.
[2]. Abu Fares, F. G., Mohamed, S. G., & Abu El-Hamd, M. A. (2024). The Effect Of Electricity Generator Exhausts On The Human And Domestic Animal Health. Biological And Biomedical Journal, 2(1), 90-96. DOI: 10.21608/BBJ.2024.344363.1066
[3].
Adamu, S. S. & Sundararajan, S. (2025). Entrepreneurship And The Sustainability Of Small And Medium Size Businesses In Selected States Of Nigeria. ISRG Journal Arts Humanities And Social Science (ISRGJAHSS), 3(4), 260-266.
DOI: 10.5281/Zenodo.16254066
[4]. Adekanye, T. (2025). A Review On Biomass Energy For Carbon Neutrality In Nigeria: Opportunities And Challenges. Academia Green Energy, 2(1), 1-9. Https://Doi.Org/10.20935/Acadenergy7550
[5]. Adeniji, O. I., Ajisafe, B. O., Kimbugwe, J., & Jingo, F. (2025). Mitigating Nigeria’s Power Grid Collapse Through Advanced Automation And Control Systems. Journal Of Frontiers In Multidisciplinary Research, 242-258