金融科技的采用与残疾人的金融福祉：金融渠道、金融知识和金融行为的中介作用

IF 1.9 Q2 ECONOMICS

INTERNATIONAL JOURNAL OF SOCIAL ECONOMICS Pub Date : 2024-03-12 DOI:10.1108/ijse-08-2023-0596

Abdul Gafoor, S. Amilan

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引用次数: 0

摘要

目的本研究的主要目的是分析金融科技的采用对残疾人（PWDs）财务福祉的影响，同时考虑金融行为、金融获取和金融知识的干预作用。设计/方法/方法2023年1月至5月，研究人员通过滚雪球式抽样，在205名残疾人中收集了有关金融科技的采用和财务福祉的原始数据。研究人员使用探索性因素分析来确定可靠的因素，并使用 PLS-SEM 来检验中介和研究假设。研究结果研究结果发现，金融科技的采用并不直接影响残疾人的财务状况。相反，金融获取、金融知识和金融行为等中介因素解释了对财务幸福感的影响。在这些中介因素中，金融获取是最重要的因素。研究局限性/意义该研究表明，中介因素在理解金融科技的采用对财务幸福感的影响方面具有重要意义。研究结果表明，开发方便残疾人使用的金融科技工具可以提高残疾人获得金融服务的机会，减少不平等现象，改善他们的财务状况，这对公共政策制定者很有帮助。原创性/价值目前还没有关于这一主题的全面研究，尤其是针对残疾人的研究。在目前的研究中，我们正在努力研究采用金融科技对财务福祉的直接和通过中介变量间接产生的相对影响。同行评议本文的同行评议历史见：https://publons.com/publon/10.1108/IJSE-08-2023-0596。

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Fintech adoption and financial well-being of persons with disabilities: the mediating role of financial access, financial knowledge and financial behaviour

Purpose

The prime purpose of the study is to analyse the effect of fintech adoption on the financial well-being of persons with disabilities (PWDs), considering the intervening role of financial behaviour, financial access and financial knowledge.

Design/methodology/approach

A self-administered survey schedule collected primary data on fintech adoption and financial well-being among 205 PWD, through snowball sampling from January to May 2023. Researchers used exploratory factor analysis to identify reliable factors and PLS-SEM for testing mediation and research hypotheses.

Findings

The study’s outcome found that fintech adoption does not directly impact the financial well-being of PWDs. Instead, the impact on financial well-being is explained by mediating factors like financial access, financial knowledge and financial behaviour. Financial access is the most significant among these mediating factors.

Research limitations/implications

The study demonstrates the significance of mediating factors in comprehending the influence of fintech adoption on financial well-being. These results underpin existing literature on determinants of financial well-being.

Practical implications

Findings evidenced that developing disabled-friendly fintech tools can enhance financial access, reduce inequality and improve the financial well-being of PWDs, which would be helpful for public policymakers.

Originality/value

There has been no comprehensive study conducted on this topic, particularly among PWDs. In the current study, an effort is being made to examine the relative effects of fintech adoption on financial well-being directly and indirectly through mediating variables.

Peer review

The peer review history for this article is available at: https://publons.com/publon/10.1108/IJSE-08-2023-0596

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来源期刊

INTERNATIONAL JOURNAL OF SOCIAL ECONOMICS ECONOMICS-

CiteScore

3.20

自引率

5.30%

发文量

期刊介绍： The International Journal of Social Economics publishes original and peer-reviewed theoretical and empirical research in the field of social economics. Its focus is on the examination and analysis of the interaction between economic activity, individuals and communities. Social economics focuses on the relationship between social action and economies, and examines how social and ethical norms influence the behaviour of economic agents. It is inescapably normative and focuses on needs, rather than wants or preferences, and considers the wellbeing of individuals in communities: it accepts the possibility of a common good rather than conceiving of communities as merely aggregates of individual preferences and the problems of economics as coordinating those preferences. Therefore, contributions are invited which analyse and discuss well-being, welfare, the nature of the good society, governance and social policy, social and economic justice, social and individual economic motivation, and the associated normative and ethical implications of these as they express themselves in, for example, issues concerning the environment, labour and work, education, the role of families and women, inequality and poverty, health and human development.