Title: Consumer intentions and digital financial literacy: a new perspective on fintech payment product adoption

Authors: Dilpreet Kaur; Mohd Mohsin Khan; Sujood

Addresses: Department of Commerce, Aligarh Muslim University, Aligarh, UP – 202002, India ' Department of Commerce, Aligarh Muslim University, Aligarh, UP – 202002, India ' G.L. Bajaj Institute of Management and Research, Greater Noida, UP – 201306, India

Abstract: This evaluation intends to explore determinants of consumer intentions by integrating technology acceptance model (TAM) (Davis, 1989) and digital financial literacy (DFL) into a holistic framework. The convenience sample method was used to conduct the survey, 499 responses to the questionnaire were received, and the structural equation model (SEM) has been put into use to interpret data. The examination exhibited that determinants of TAM have a substantial domination on consumers' inclinations to adopt fintech payment products (FPPs) for digital financial inclusion (DFI). The outcomes of this research will serve fintech industry players and policymakers in designing FPPs that should place a high priority on DFL employing all-encompassing promotional techniques and deepen the understanding of Indian consumers' intentions. To the extent of the authors' knowledge, this is the fundamental research to integrate DFL and TAM with its determinants to forecast the intentions of Indian consumers.

Keywords: financial technology; fintech; fintech payment products; digital financial inclusion; digital financial literacy; DFL; technology acceptance model; TAM.

DOI: 10.1504/IJMP.2025.149568

International Journal of Management Practice, 2025 Vol.18 No.6, pp.631 - 654

Received: 14 Oct 2024
Accepted: 12 Jan 2025
Published online: 07 Nov 2025 *

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