Jou Yung-Tsan, Shiang Wei-Jung, Silitonga Riana Magdalena, Adilah Muna, Halim Audrey Zebe Agathon
Department of Industrial and Systems Engineering, Chung Yuan Christian University, Taoyuan City 320314, Taiwan.
Department of Industrial Engineering, Atma Jaya Catholic University of Indonesia, Jakarta 12930, Indonesia.
Behav Sci (Basel). 2023 Jan 23;13(2):94. doi: 10.3390/bs13020094.
The growth of financial literacy is significant nowadays. Because of this, more people are becoming increasingly responsible in their financial planning, investments, and living expenses. In developing new technology, it is necessary to know the technological acceptance of the prospective users of the technology itself. This study aims to identify the primary factors influencing the technology acceptance levels of lower-middle socio-economic users for a digital financial literacy application. The proposed model in this research was developed based on UTAUT, TAM, and Usability model, and it consists of six primary constructs: (1) Performance Expectancy; (2) Effort Expectancy; (3) Social Influence; (4) Resources and Cost; (5) Satisfaction; (6) Behavior Intention. All the hypotheses used in this study were statistically measured using SmartPLS tools. This study found that because many lower-middle socio-economic users lack sufficient understanding of technology to properly utilize it, that a digital platform is not the right tool to teach them financial literacy.
如今，金融知识素养的提升意义重大。正因如此，越来越多的人在财务规划、投资和生活开支方面变得愈发负责。在开发新技术时，有必要了解技术本身潜在用户对该技术的接受程度。本研究旨在确定影响社会经济地位中低的用户对数字金融知识应用技术接受水平的主要因素。本研究中提出的模型是基于统一技术接受与使用模型（UTAUT）、技术接受模型（TAM）和可用性模型开发的，它包含六个主要构念：（1）绩效期望；（2）努力期望；（3）社会影响；（4）资源与成本；（5）满意度；（6）行为意向。本研究中使用的所有假设均通过SmartPLS工具进行统计测量。本研究发现，由于许多社会经济地位中低的用户对技术缺乏足够的了解以正确使用它，数字平台并非教授他们金融知识的合适工具。
