Seldal M M Naeser, Nyhus Ellen K
Department of Management, University of Agder, Postboks 422, 4604 Kristiansand, Norway.
J Consum Policy (Dordr). 2022;45(2):281-306. doi: 10.1007/s10603-022-09512-9. Epub 2022 Mar 7.
The purpose of this study is to test the notion that the use of digital payment methods, such as paying with a mobile phone, increases the risk of financial vulnerability. Research from the USA indicates such a relationship, and we study whether this finding can be generalized to other countries. Motivated by recent changes in EU legislation related to financial transactions, we also examine willingness to use social media companies for money transfers along with sharing bank account information with third-party financial services. Exploiting data collected from a representative sample of the Norwegian adult population ( = 2202), we identify differences in financial behaviour and characteristics between users and nonusers of different digital payment methods. In contrast to US studies, we find that mobile payment users were less financially vulnerable than nonusers and those women were more likely users of digital payment technologies than men. Younger generations and those with low financial literacy were more financially vulnerable than others, although we did not find this to be related to the use of mobile payment or other digital payment methods. The results show that there is a need for more research from different countries outside of the USA to obtain an understanding of the consequences of increased digitalization of financial services. In addition, as COVID-19 has shifted a vast amount of spending online and these newer payment technologies have become more available, we need to gain a better understanding of how they influence financial behaviour.
本研究的目的是检验使用数字支付方式（如用手机支付）会增加金融脆弱性风险这一观点。美国的研究表明存在这样一种关系，我们研究这一发现是否能推广到其他国家。受欧盟近期金融交易立法变化的推动，我们还考察了使用社交媒体公司进行资金转账以及与第三方金融服务共享银行账户信息的意愿。利用从挪威成年人口代表性样本（n = 2202）收集的数据，我们确定了不同数字支付方式的用户和非用户在金融行为和特征方面的差异。与美国的研究不同，我们发现移动支付用户的金融脆弱性低于非用户，而且女性比男性更有可能使用数字支付技术。年轻一代和金融知识水平较低的人比其他人更容易出现金融脆弱性，尽管我们发现这与使用移动支付或其他数字支付方式无关。结果表明，需要在美国以外的不同国家进行更多研究，以了解金融服务数字化程度提高的后果。此外，由于新冠疫情使大量支出转移到了线上，这些更新的支付技术也变得更加普及，我们需要更好地了解它们如何影响金融行为。
