Payment Fintech application adoption in low–income groups: How financial literacy moderates influencing factors? Available to Purchase

Dr. Ram Singh is an Assistant Professor at the Department of Management, Faculty of Management Studies, University of Lucknow, Uttar Pradesh, with vast experience in academia. He has also served as an Assistant Professor at BBD University in Lucknow. He holds a PhD in Business Administration, is associated with the Institute of Engineering and Technology, and has expertise in quality management, human resource management, and marketing. He is a lifetime member of the Lucknow Management Association (LMA).

Ms. Aina Rafat is a research scholar in the Department of Management at Dr. A.P.J. Abdul Kalam Technical University, Lucknow. Her areas of expertise include Marketing, Green Marketing, Micro Finance, Behavioural Sciences, and General Management. She has earned triple postgraduate degrees in MBA, MCOM, and M.Phil. (Gold Medallist). She also holds a diploma in International Business. SheAina has been an active participant and presenter at national and international conferences and seminars. Additionally, she has several research papers published in national and UGC care-listed journals.

Prof. (Dr.) Smriti Srivastava is a Professor at the Department of Business Administration, Maharishi University of Information Technology, Lucknow, India. Prof. (Dr.) Smriti Srivasatava is an experienced academician, administrator, and author with over 21 years of experience. She currently works as the Dean of the Department of Management at Maharishi University of Information Technology in Lucknow.She has actively participated in and presented various research papers at national and international conferences and seminars. Additionally, she has authored and co-authored several books, along with numerous research papers published in various national and international, UGC-care listed, double-blind peer-reviewed journals.Her areas of expertise include marketing, digital marketing, human resource management, retail marketing, marketing of services, and general management.