MUMBAI, India, July 30 -- Intellectual Property India has published a patent application (202621068864 A) filed by Prof. Dr. Ashish Joshi; Dr. Pushpkiran Singh; and Prof. Dr. M Samir Gopalan on June 01, 2026, for Moderating Role Of Digital Consumer Protection In Impacting The Intention To Use Digital Financial Services.
Inventors include Prof. Dr. Ashish Joshi; Dr. Pushpkiran Singh; and Prof. Dr. M Samir Gopalan.
The application for the patent was published on July 24, 2026, under issue no. 30/2026.
Abstract: The present invention relates to a digital consumer protection enabled analytical system and method for determining consumers’ intention to use digital financial services. The system evaluates the influence of usability, facilitating conditions, usage experience, trust, and technology self-efficacy on behavioural intention toward digital financial service adoption. The invention further incorporates digital consumer protection as a moderating variable for analyzing consumer perception, transaction security, and digital financial adoption behaviour. The system utilizes reliability analysis, factor analysis, Principal Component Analysis, Structural Equation Modelling, moderation analysis, and predictive analytical techniques for identifying behavioural patterns associated with digital financial services. The invention is applicable in fintech organizations, banking institutions, digital payment systems, digital lending platforms, mobile banking applications, and financial inclusion programmes.
Disclaimer: Curated by HT Syndication.
