The scope of the mobile wallet in a ‘Cashless India’, whose utility has been spurred by the exponentially growing smartphone technology, is a contemporary topic of deliberation. The reach of mobile wallets gets broader each day with the entry of new stakeholders into the scenario, making mobile wallets indispensible for meeting daily needs. Given the COVID-19 pandemic situation, increased reliance on mobile wallets, and its acceptability among the public and other associated e-services, researchers and service providers are eager to explore its adoption as well as its continued usage. This paper theoretically examines factors influencing behavioural intention and actual usage of mobile wallets through various technology adoption models and behavioural studies. Based on an extensive review of the literature, this paper attempts to draw a comprehensive conceptualization of mobile wallet adoption and actual use by exploring the influence of various key factors. This proposed model could successfully present the case of mobile wallet adoption and usage, as well as offer the possibility of deriving important managerial implications concerning effective marketing techniques.

“无现金印度”中手机钱包的范围已成为当代研究的话题，其用途受到指数级增长的智能手机技术的推动。随着新的涉众进入场景，移动钱包的范围每天都在扩大，这使得移动钱包对于满足日常需求必不可少。考虑到COVID-19大流行的情况，对移动钱包的依赖增加以及在公众和其他相关电子服务中的接受度，研究人员和服务提供商都渴望探索其应用以及其继续使用。本文通过各种技术采用模型和行为研究从理论上考察了影响手机钱包行为意图和实际使用的因素。根据对文献的广泛回顾，本文试图通过探索各种关键因素的影响，对移动钱包的采用和实际使用进行全面的概念化。该提议的模型可以成功地介绍移动钱包的采用和使用情况，并提供有关有效营销技术的重要管理意义的可能性。