Open Coding Level 1 (For Respondent 1)

Instance 1A – issues related to payment that cannot be made using digital payments

Instance 1B – condition when digital payment is accepted

Instance 1C – instances when digital transactions have been completed for personal
usage

Instance 1D – instance when digital payment is not used

Instance 1E – environment discouraging usage of digital technologies in business

operation

Instance 1F – willingness to wait for receiving future payment over digital payment
Instance 1G – lack of value in using digital payments

Instance 2A – lack of training and information provided by digital payment apps

Instance 2B – less usage of digital payment services by e-rickshaw drivers

Instance 2C – lack of knowledge about digital services

Instance 2D – need for training of usage of digital apps and services

Instance 2E – lack of knowledge in using mobile other than entertainment

Instance 3A – experience of transaction fees which prohibits usage of digital payments

Instance 3B – experience of transaction charges in using digital payments

Instance 3C – fear of charges and deductions in using digital payments

Instance 4A – no incentive to use digital payments

Instance 4B – expectation of incentives to use apps not being fulfilled

Open Coding Level 1 (For Respondent 2)
Instance 1A – lack of interest in learning new technology

Instance 1B – unwillingness to overcome existing convenient setting

Instance 1C – argument of why existing setting is better over learning something new

Instance 1D – uninterest in understanding new technology

Instance 2A – convenient to use family members

Instance 2B – willingness of family members to use digital tech on behalf of respondent

Instance 3A – existing system’s convenience

Instance 3B – preference of usage of existing system

Instance 3C – lack of value in using digital technology for business

Axial Coding (w.r.t. both respondents)

Respondent 1 – ignorance in using digital services and other online technologies

Respondent 2 – ignorance in using digital services and other online technologies

Open Coding Level 2 (For Respondent 1)

Conclusion from Instance 1A, 1B, 1C, 1D, 1E, 1F, 1G - Convenience in using current
system over digital technology
Conclusion from Instance 2A, 2B, 2C, 2D, 2E - Lack of Training in using digital
technology
Conclusion from Instance 3A, 3B, 3C - Prior bad experience in using digital technology
Conclusion from Instance 4A, 4B - Lack of facilities that encourage usage of digital
technology

Open Coding Level 2 (For Respondent 2)

Conclusion from Instance 1A, 1B, 1C, 1D – Steep learning curve for digital technology
Conclusion from Instance 2A, 2B – convenient to take help from known person
Conclusion from Instance 3A, 3B, 3C – Lack of value addition in using digital
technology over existing system