Article: Exploring digital financial literacy through the lens of planned behaviour theory and technology acceptance model Journal: International Journal of Business Information Systems (IJBIS) 2025 Vol.50 No.8 pp.1 - 21 Abstract: This study formulates a synthesised theory of digital financial literacy consisting of the technology acceptance model (TAM) and the theory of planned behaviour (TPB) to demonstrate how psychological and technological antecedents influence digital financial literacy. Based on a systematic literature review of 37 Scopus-listed studies that go through PRISMA protocol, it establishes major connections between model constructs and their impacts on financial behaviour. The hypotheses in the analysis include that perceived usefulness and ease of use increase the adoption of digital finance, perceived behavioural control bridges the digital competence and financial decision-making, and that behavioural intention mediates the effect of technology use on financial and entrepreneurial outcomes. The combination of behavioural and technological approaches to digital capability as shown in the framework display the mutual relationship between motivation and digital capability. The results give information to create interventions that boost digital skills and behavioural preparedness, to create inclusive and sustainable digital financial literacy. Inderscience Publishers - linking academia, business and industry through research

Title: Exploring digital financial literacy through the lens of planned behaviour theory and technology acceptance model

Authors: Arinda Mentari Putri; Sudarso Kaderi Wiryono; Sylviana Maya Damayanti; Raden Aswin Rahadi

Addresses: School of Business and Management, Institut Teknologi Bandung, Ganesha 10, Bandung, Indonesia ' School of Business and Management, Institut Teknologi Bandung, Ganesha 10, Bandung, Indonesia ' School of Business and Management, Institut Teknologi Bandung, Ganesha 10, Bandung, Indonesia ' School of Business and Management, Institut Teknologi Bandung, Ganesha 10, Bandung, Indonesia

Abstract: This study formulates a synthesised theory of digital financial literacy consisting of the technology acceptance model (TAM) and the theory of planned behaviour (TPB) to demonstrate how psychological and technological antecedents influence digital financial literacy. Based on a systematic literature review of 37 Scopus-listed studies that go through PRISMA protocol, it establishes major connections between model constructs and their impacts on financial behaviour. The hypotheses in the analysis include that perceived usefulness and ease of use increase the adoption of digital finance, perceived behavioural control bridges the digital competence and financial decision-making, and that behavioural intention mediates the effect of technology use on financial and entrepreneurial outcomes. The combination of behavioural and technological approaches to digital capability as shown in the framework display the mutual relationship between motivation and digital capability. The results give information to create interventions that boost digital skills and behavioural preparedness, to create inclusive and sustainable digital financial literacy.

Keywords: digital financial literacy; DFL; technology acceptance model; TAM; theory of planned behaviour; TPB; financial behaviour; systematic literature review.

DOI: 10.1504/IJBIS.2025.151330

International Journal of Business Information Systems, 2025 Vol.50 No.8, pp.1 - 21

Received: 10 Nov 2025
Accepted: 01 Dec 2025
Published online: 23 Jan 2026 *

Title: Exploring digital financial literacy through the lens of planned behaviour theory and technology acceptance model

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