Consumers have used digital payments widely in recent years, and the COVID-19 pandemic accelerated this process. Similarly, academic interest in this topic has followed this trend. Various primary research studies have been published, and defragmentation and conflicting findings were found. Meta-analytic studies are essential for organising the relationships tested and pacifying inconsistent results. Thus, we propose meta-analytic structural equation modelling research from 70 independent studies that acceded 286 effect sizes from more than 30 countries. Testing an integrated model with the main antecedents of digital payment intention to use was possible. We also evaluated indirect and moderator effects. We found that consumers’ trust is the most influential construct in consumer attitudes. Furthermore, we detected the partial mediation effect of attitude on the relationships between social norms, trust, perceived ease of use, and perceived usefulness on digital payment intention to use. Finally, we identified significant moderation effects of the human development countries index and gender on the relationships proposed.

近年来，消费者广泛使用数字支付，而 COVID-19 大流行加速了这一进程。同样，学术界对该主题的兴趣也遵循了这一趋势。各种初步研究已经发表，并发现了碎片整理和相互矛盾的发现。荟萃分析研究对于组织测试的关系和消除不一致的结果至关重要。因此，我们根据 70 项独立研究提出了荟萃分析结构方程模型研究，这些研究纳入了来自 30 多个国家的 286 个效应量。测试具有数字支付使用意图的主要前因的集成模型是可能的。我们还评估了间接效应和调节效应。我们发现消费者的信任是消费者态度中最有影响力的构建。此外，我们发现态度对社会规范、信任、感知易用性和感知有用性对数字支付使用意愿之间关系的部分中介作用。最后，我们确定了人类发展国家指数和性别对所提出的关系的显着调节作用。