Comparative Study on Digitization of Prepaid Recharges Using IVR and M-Commerce

Gyan Management Journal
Year: 2020(Jul-Dec), Volume: (14), Issue. (2)
First page: (10) Last page: (16)
Online ISSN: A/F
Print ISSN: 2250-348X

Comparative Study on Digitization of Prepaid Recharges Using IVR  and M-Commerce 

Tarandeep Singh 

1Assistant Professor, GJIMT, Mohali

Corresponding author email id:

18 Dec 2020

26 Dec 2020

Online Published:
28 Dec 2020

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Interactive  Voice  Response (IVR) systems  play  an  important  role  in  collecting  and  disseminating  information  in  developing  regions. Recently,  researchers  have  used IVR technology to  build  voice  forums, in which  callers leave messages that  can be heard  over the Internet and  over the phone.  However, despite their appeal, voice forums remain difficult to set up, and difficult to scale due to the  overhead of moderating content and the cost of phone calls. Internet technology is regarded as the  third  wave  of  revolution  after  agricultural  and  industrial  revolution.  After  phone  technology  is  heralding the era of mobile in India. The growth of Mobile is phenomenal compared to previous deliver  channels. It took approximately more than twenty  years for Mobile to become popular for online  services. More so, with India all set to emerge as the second largest mobile subscriber base in the world  after China, the telecom operators are raring to use this medium to offer online services including fund  transfers to all sorts of people. Mobile can be categorized as the latest advancement in digitization. The  paper describes the rapid growth and development of payment systems and how there has been a slow  shift from IVR e-payment systems to m-payment systems. The key mobile payment systems described in  the paper includes but not limited to, the m-Paisa, Airtel money, ICICI pocket etc.  The business models  described  in the  paper  have  been  analyzed  by  considering  a few  key factors  and  analysis  results  depicted that the biggest challenge of deploying mobile payment systems is initiated by uncertainties in  the environment. 


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