NORTHWESTERN UNIVERSITY · UNITED STATES
Demographics and Technology Diffusion: Evidence from Mobile Payments
PhD · Taught in en
At a glance
24 mo
Duration
—
IELTS
—
Tuition / yr
en
Language
PhD
Level
- Younger adults prefer mobile payments over traditional cards.Age Preference
- Age is a stronger predictor of mobile payment use than other consumer traits.Predictive Factor
- Businesses with younger customer bases adopt new tech faster.Business Impact
- Aging populations may slow down financial innovation adoption.Demographic Challenge
- Published: 2026Publication Year
This research paper, 'Demographics and Technology Diffusion: Evidence from Mobile Payments,' investigates how the age composition of a population influences the adoption of new technologies. Using data from India's mobile payment sector and a leading bank, the study found that younger adults are more inclined to use mobile payments compared to traditional methods like cards. This age-driven preference appears to be a significant factor, often outweighing other consumer characteristics. The research suggests that businesses serving younger demographics may see higher adoption rates for new technologies. To further validate this, the study analyzed merchant adoption data, confirming that businesses in areas with younger populations were more likely to adopt mobile payment technology. The findings indicate that an aging population could potentially hinder the spread of financial innovations.
Careers
This program aims to educate scholar-technologists capable of cutting-edge research and development, pushing the boundaries of interdisciplinary scholarship. Graduates will be well-equipped to pursue advanced research roles in technology and its societal implications.
- Scholar-Technologist
- Researcher
- Technology Development Specialist
Frequently asked questions
- What are the main findings of the research paper 'Demographics and Technology Diffusion: Evidence from Mobile Payments'?
- The study found that younger adults are more inclined to use mobile payments than traditional methods, and this age preference is a significant factor in technology adoption. Businesses with younger customer bases also tend to adopt new technologies faster.
- What are the typical career outcomes for graduates of this program?
- Graduates are prepared for roles such as Scholar-Technologists, Researchers, and Technology Development Specialists, focusing on cutting-edge research in technology and its societal implications.
- What academic background is recommended for applicants?
- Applicants should have a strong academic record, ideally with a background in technology combined with social sciences or humanities, and a demonstrated interest in interdisciplinary scholarship and research.
- How do I apply for this program?
- You must complete the online application form provided by The Graduate School, submitting academic and personal statements, letters of recommendation, transcripts, resume/CV, and English proficiency certification if applicable.
- When is the application deadline for the Fall 2027 intake?
- The application deadline for the Fall 2027 intake is December 1st at 5 PM (CST).
- Where can I find information on tuition and fees?
- Tuition and fees vary by school and program; please refer to the Northwestern University Student Financial Services website for specific details. Contact Student Finance for any billing or fee questions.
Entry requirements
English Proficiency CertificationNot specified
Prospective students should have a strong academic record and come from diverse backgrounds, ideally with a technological background combined with social science and humanities training. Ideal candidates are interested in interdisciplinary scholarship and research that pushes traditional boundaries.
Fees
Tuition (international)Tuition and fees vary by school and program. Please refer to the Northwestern University Student Financial Services website for specific details related to your program of interest.
Tuition (home)Tuition and fees vary by school and program. Please refer to the Northwestern University Student Financial Services website for specific details related to your program of interest.
LivingInformation on housing and meal plans for graduate students is available through Northwestern's Residential Life and Dining Services.
Contact Student Finance for questions about tuition, fees, or billing. Visit the Financial Aid Office website for full cost of attendance information.
How to apply
1. Complete Online ApplicationAccess and fill out the online application form on The Graduate School's website.
2. Submit Application EssaysPrepare and upload your Academic Statement and Personal Statement as part of the online application.
3. Provide Letters of RecommendationArrange for 2-3 letters of recommendation to be submitted.
4. Submit Academic TranscriptsProvide original transcripts from all previously attended universities.
5. Upload Resume/CVSubmit your current Resume or Curriculum Vitae.
6. Certify English ProficiencyIf English is not your native language, you must provide certification of your English language proficiency.
Frequently asked questions
What are the main findings of the research paper 'Demographics and Technology Diffusion: Evidence from Mobile Payments'?
+
The study found that younger adults are more inclined to use mobile payments than traditional methods, and this age preference is a significant factor in technology adoption. Businesses with younger customer bases also tend to adopt new technologies faster.
What are the typical career outcomes for graduates of this program?
+
Graduates are prepared for roles such as Scholar-Technologists, Researchers, and Technology Development Specialists, focusing on cutting-edge research in technology and its societal implications.
What academic background is recommended for applicants?
+
Applicants should have a strong academic record, ideally with a background in technology combined with social sciences or humanities, and a demonstrated interest in interdisciplinary scholarship and research.
How do I apply for this program?
+
You must complete the online application form provided by The Graduate School, submitting academic and personal statements, letters of recommendation, transcripts, resume/CV, and English proficiency certification if applicable.
When is the application deadline for the Fall 2027 intake?
+
The application deadline for the Fall 2027 intake is December 1st at 5 PM (CST).
Where can I find information on tuition and fees?
+
Tuition and fees vary by school and program; please refer to the Northwestern University Student Financial Services website for specific details. Contact Student Finance for any billing or fee questions.