Purpose

The study aims to explore the role of digital economy and technology adoption for financial inclusion in the Indian context.

Design/methodology/approach

A conceptual framework was developed and hypotheses were tested through a survey conducted on 433 educated adults (males and females) residing in different districts of Rajasthan (India). Data was collected through a structured questionnaire and was subjected to confirmatory factor analysis. Structural equation modeling (second-order) was used to validate the measurement model and to test the mediating effect.

Findings

The measurement model is a confirmatory factor analysis and measures the reliability of the observed variables in relation to the latent constructs and indices shows the overall model fit. Structural model results indicate a complete mediation and a reflective impact (R² = 0.28) of the extended technology acceptance model on digital economy and financial inclusion relationship.

Research limitations/implications

The study has taken into account only the perception of educated adults residing more specifically in one geographical area of a country. Thus, it limits the generalization of results in terms of implications to other regions and countries.

Practical implications

The proposed framework and implications are quite significant for policymakers and service providers to understand the nexus and strategic choices involved in this area. Moreover, understanding of user’s frame dependence would help in the development of digital assistive models that would perhaps mitigate the gap from participation (digital economy) to acceptance (financial inclusion).

Originality/value

Present study proposed a three-dimensional hypothetical model and conceptualized the digital economy (independent variable) as participation, behavioral intentions measured through the extended technology acceptance model (mediating variable) as adoption and financial inclusion (dependent variable) as acceptance to better understand the nexus. It represents the foremost step and a unique effort in this area. Moreover, the study was empirical and has wider applications both from the perspectives of end-users and service providers.

中文翻译：

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数字经济和技术采用对印度金融包容性的作用

目的

该研究旨在探讨数字经济和技术采用在印度背景下对金融包容性的作用。

设计/方法/方法

通过对居住在拉贾斯坦邦（印度）不同地区的 433 名受过教育的成年人（男性和女性）进行的调查，开发了一个概念框架并检验了假设。通过结构化问卷收集数据并进行验证性因素分析。结构方程模型（二阶）用于验证测量模型并测试中介效应。

发现

测量模型是验证性因素分析，测量与潜在结构相关的观察变量的可靠性，指数显示整体模型拟合。结构模型结果表明扩展技术接受模型对数字经济和金融普惠关系的完全中介和反射影响（R ² = 0.28）。

研究限制/影响

该研究仅考虑了更具体地居住在一个国家的一个地理区域的受过教育的成年人的看法。因此，就对其他地区和国家的影响而言，它限制了结果的概括。

实际影响

拟议的框架和影响对于决策者和服务提供者了解该领域所涉及的关系和战略选择非常重要。此外，了解用户的框架依赖性将有助于数字辅助模型的开发，这可能会缩小从参与（数字经济）到接受（金融包容）的差距。

原创性/价值

本研究提出了一个三维假设模型，并将数字经济（自变量）概念化为参与，通过扩展技术接受模型（中介变量）衡量的行为意图作为采用和金融包容性（因变量）作为接受，以更好地理解这种关系. 它代表了该领域最重要的一步和独特的努力。此外，该研究是经验性的，从最终用户和服务提供商的角度来看都有更广泛的应用。