Digital payment adoption: A revisit on the theory of planned behavior among the young generation
This study examines how individual behavior is influenced by intentions and factors such as financial literacy, subjective norms, and perceived behavioral control. A quantitative survey was conducted with 263 respondents familiar with fintech applications, specifically digital payments, using purpos...
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| Format: | Article |
| Language: | English |
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Elsevier
2025-06-01
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| Series: | International Journal of Information Management Data Insights |
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| Online Access: | http://www.sciencedirect.com/science/article/pii/S2667096825000011 |
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| _version_ | 1841533277345677312 |
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| author | Berto Usman Heris Rianto Somnuk Aujirapongpan |
| author_facet | Berto Usman Heris Rianto Somnuk Aujirapongpan |
| author_sort | Berto Usman |
| collection | DOAJ |
| description | This study examines how individual behavior is influenced by intentions and factors such as financial literacy, subjective norms, and perceived behavioral control. A quantitative survey was conducted with 263 respondents familiar with fintech applications, specifically digital payments, using purposive and snowball sampling technique. Empirical analysis with Smart-PLS reveals significant effects of these factors. Notably, financial literacy and perceived behavioral control significantly influence intention, whereas subjective norms shows no clear effect. Testing for indirect relationships indicates that intention serves as the sole mediator between perceived behavioral control and digital payment usage behavior. However, intention does not mediate the relationships between financial literacy and digital payment behavior or between subjective norms and digital payment behavior. This study's exploration of intention as a mediator provides valuable insights into the dynamics of these relationships, addressing a knowledge gap in management literature and contributing to the revisit of Theory of Planned Behavior in the context of digital payment adoption. |
| format | Article |
| id | doaj-art-fe9aa696090345aaa80e8605e0c099ff |
| institution | Kabale University |
| issn | 2667-0968 |
| language | English |
| publishDate | 2025-06-01 |
| publisher | Elsevier |
| record_format | Article |
| series | International Journal of Information Management Data Insights |
| spelling | doaj-art-fe9aa696090345aaa80e8605e0c099ff2025-01-17T04:52:27ZengElsevierInternational Journal of Information Management Data Insights2667-09682025-06-0151100319Digital payment adoption: A revisit on the theory of planned behavior among the young generationBerto Usman0Heris Rianto1Somnuk Aujirapongpan2Faculty of Economics and Business, University of Bengkulu, IndonesiaFaculty of Economics and Business, University of Bengkulu, IndonesiaFaculty of Management Science, Silpakorn University, Thailand; Corresponding author.This study examines how individual behavior is influenced by intentions and factors such as financial literacy, subjective norms, and perceived behavioral control. A quantitative survey was conducted with 263 respondents familiar with fintech applications, specifically digital payments, using purposive and snowball sampling technique. Empirical analysis with Smart-PLS reveals significant effects of these factors. Notably, financial literacy and perceived behavioral control significantly influence intention, whereas subjective norms shows no clear effect. Testing for indirect relationships indicates that intention serves as the sole mediator between perceived behavioral control and digital payment usage behavior. However, intention does not mediate the relationships between financial literacy and digital payment behavior or between subjective norms and digital payment behavior. This study's exploration of intention as a mediator provides valuable insights into the dynamics of these relationships, addressing a knowledge gap in management literature and contributing to the revisit of Theory of Planned Behavior in the context of digital payment adoption.http://www.sciencedirect.com/science/article/pii/S2667096825000011Financial literacyPerceived behavioral controlSubjective normIntentionDigital payment |
| spellingShingle | Berto Usman Heris Rianto Somnuk Aujirapongpan Digital payment adoption: A revisit on the theory of planned behavior among the young generation International Journal of Information Management Data Insights Financial literacy Perceived behavioral control Subjective norm Intention Digital payment |
| title | Digital payment adoption: A revisit on the theory of planned behavior among the young generation |
| title_full | Digital payment adoption: A revisit on the theory of planned behavior among the young generation |
| title_fullStr | Digital payment adoption: A revisit on the theory of planned behavior among the young generation |
| title_full_unstemmed | Digital payment adoption: A revisit on the theory of planned behavior among the young generation |
| title_short | Digital payment adoption: A revisit on the theory of planned behavior among the young generation |
| title_sort | digital payment adoption a revisit on the theory of planned behavior among the young generation |
| topic | Financial literacy Perceived behavioral control Subjective norm Intention Digital payment |
| url | http://www.sciencedirect.com/science/article/pii/S2667096825000011 |
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