{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,7,29]],"date-time":"2026-07-29T22:01:14Z","timestamp":1785362474007,"version":"3.55.0"},"reference-count":54,"publisher":"Emerald","issue":"2","license":[{"start":{"date-parts":[[2025,1,1]],"date-time":"2025-01-01T00:00:00Z","timestamp":1735689600000},"content-version":"tdm","delay-in-days":0,"URL":"https:\/\/www.emerald.com\/insight\/site-policies"}],"content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":["JEIM"],"published-print":{"date-parts":[[2025,2,25]]},"abstract":"<jats:sec><jats:title content-type=\"abstract-subheading\">Purpose<\/jats:title><jats:p>This research aims to uncover how the adoption process of a mobile payment solution unfolds in its local use. We examined micro-enterprises\u2019 adoption of UPI-based payment system in India.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-subheading\">Design\/methodology\/approach<\/jats:title><jats:p>We employed an ethnographic approach to study the micro-entrepreneurs\u2019 daily practice and adopted a relational ontology to conduct an \u201cin-practice\u201d enquiry of the UPI payment adoption process.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-subheading\">Findings<\/jats:title><jats:p>Applying the practice perspective of Technology Affordances and Constraints Theory, we found that UPI adoption was shaped through a dynamic interplay of emerging affordances and constraints. New features, such as All-in-one QR, enabled actions like cross-platform money transfer but also introduced challenges like fraud. Advancements in the technology addressed previous challenges but also created new hurdles. This cycle of evolving affordances and constraints within the contextual use of UPI payment technology shaped its adoption process.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-subheading\">Research limitations\/implications<\/jats:title><jats:p>The findings contribute to the existing body of mobile payment literature by elucidating the role of localized and ongoing enactment of affordances and constraints. Unlike existing adoption theories, using relational concepts of affordances and constraints revealed how the integration of mobile payment into practice leads to emergent use patterns and widespread adoption.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-subheading\">Practical implications<\/jats:title><jats:p>We emphasize the need for solutions that address localized challenges and contextual needs. The study advises policymakers to consider technology\u2019s benefits and limitations in interventions.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-subheading\">Originality\/value<\/jats:title><jats:p>The study offers a unique view on mobile payment adoption, highlighting the role of technological materiality and temporality. It reveals how the changing materiality of technology shapes the adoption process through localized affordances and constraints.<\/jats:p><\/jats:sec>","DOI":"10.1108\/jeim-09-2023-0455","type":"journal-article","created":{"date-parts":[[2025,1,1]],"date-time":"2025-01-01T22:14:22Z","timestamp":1735769662000},"page":"660-678","source":"Crossref","is-referenced-by-count":13,"title":["Evolving \u201caffordances\u201d and \u201cconstraints\u201d in mobile payment use: a\u00a0study of Indian micro-enterprises\u2019 UPI adoption process"],"prefix":"10.1108","volume":"38","author":[{"ORCID":"https:\/\/orcid.org\/0000-0002-6144-935X","authenticated-orcid":false,"given":"Mayank","family":"Kumar","sequence":"first","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]},{"ORCID":"https:\/\/orcid.org\/0000-0002-2682-4935","authenticated-orcid":false,"given":"Jang Bahadur","family":"Singh","sequence":"additional","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]},{"ORCID":"https:\/\/orcid.org\/0009-0009-5691-5879","authenticated-orcid":false,"given":"Sujeet Kumar","family":"Sharma","sequence":"additional","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]}],"member":"140","published-online":{"date-parts":[[2025,1,1]]},"reference":[{"key":"key2025022807063696900_ref001","doi-asserted-by":"publisher","first-page":"125","DOI":"10.1016\/j.socscimed.2014.07.046","article-title":"Understanding the adoption dynamics of medical innovations: affordances of the da Vinci robot in the Netherlands","volume":"117","year":"2014","journal-title":"Social Science and Medicine"},{"key":"key2025022807063696900_ref002","unstructured":"BCG (2022), \u201cDigital payments in India: a US$10 trillion opportunity\u201d, available at: 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