ADOPTION AND USER BEHAVIOUR ANALYSIS OF ONLINE PAYMENT APPLICATION AMONG BABY BOOMERS IN COIMBATORE CITY

This study investigates the adoption level and behavioural patterns of online payment applications among Baby Boomers in a rapidly digitising financial environment. The research examines demographic influences, occupational differences, satisfaction levels, and key determinants shaping adoption behaviour. Findings reveal that Baby Boomers adopt online payment applications at a functional level, driven primarily by convenience, time efficiency, and increasing reliance on digital transactions. Their usage behaviour is cautious and selective, indicating that adoption is motivated more by necessity than preference. Two-way ANOVA results show that occupation does not significantly influence perceptions of factors affecting adoption, and no single variable dominates decision-making. Correlation analysis indicates a negligible relationship between age and satisfaction, suggesting satisfaction relates more to system usability, reliability, and service experience than age differences. Regression results demonstrate that perceived security does not significantly affect satisfaction or usage once basic trust is established. The study concludes that Baby Boomers are gradually adapting to online payment technologies and underscores the need for simplified application design, clear guidance, and responsive support to enhance adoption among older users.