Financial Inclusion through FinTech Innovation: Predicting User Acceptance of Digital Wallet

The Batuk Pub Date : 2023-07-28 DOI:10.3126/batuk.v9i2.57026
R. Shrestha, Liza Tamang
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引用次数: 1

Abstract

Conceptualizing the theme that a person is more likely to be left out of the financial system, the poorer and more disadvantaged they are, because the financial service sector functions in a way that benefits the socially powerful. This study is carried out to understand the factors influencing adoption of digital wallet and to examine the impact of digital wallet adoption on financial inclusion. Two established models of technology adoption; Technology Acceptance Model (TAM) and Unified Theory of Acceptance and Use of Technology (UTAUT), are used to conduct the study. The customers of Kathmandu valley were surveyed in terms of their attitudes, perceptions, and behaviors. The results showed that Perceived Usefulness, Price Value and Trust had a significant impact on the adoption of digital wallet. However, Perceived Ease of Use and Social Influence do not significantly impact the adoption. The study concludes that digital wallets have the potential to promote greater financial inclusion among disadvantaged and low-income individuals by addressing barriers to financial inclusion. The results provide insights for policymakers and FinTech companies in designing and implementing effective digital wallet so as to promote greater financial inclusion.
通过金融科技创新实现普惠金融:预测用户对数字钱包的接受程度
将这一主题概念化,即一个人越有可能被排除在金融体系之外,他就越贫穷,越处于不利地位,因为金融服务部门的运作方式有利于社会强者。本研究旨在了解影响数字钱包采用的因素,并检验数字钱包采用对普惠金融的影响。两种已建立的技术采用模式;采用技术接受模型(TAM)和技术接受与使用统一理论(UTAUT)进行研究。对加德满都山谷的顾客进行了态度、观念和行为方面的调查。结果表明,感知有用性、价格价值和信任对数字钱包的采用有显著影响。然而,感知易用性和社会影响力对采用没有显著影响。该研究的结论是,数字钱包有潜力通过解决金融包容性的障碍,促进弱势群体和低收入群体的金融包容性。研究结果为政策制定者和金融科技公司设计和实施有效的数字钱包提供了见解,从而促进更大的金融包容性。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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