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A digital payment generalisation model: a meta-analytic structural equation modelling (MASEM) research

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Abstract

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.

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Acknowledgements

This work was supported by national funds through FCT (Fundacção para a Ciência e a Tecnologia), under the project—UIDB/04152/2020— Centro de Investigação em Gestão de Informação (MagIC)/ NOVA IMS.

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Authors and Affiliations

  1. NOVA Information Management School (NOVA IMS), NOVA University Lisbon, 1070-312, Lisbon, Portugal

    Catarina Neves & Tiago Oliveira

  2. Unisinos Business School, Unisinos University, Av. Dr. Nilo Peçanha, 1600 - Boa Vista, Porto Alegre, RS, 91330-002, Brazil

    Fernando de Oliveira Santini & Wagner Junior Ladeira

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  1. Catarina Neves
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  2. Tiago Oliveira
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  3. Fernando de Oliveira Santini
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  4. Wagner Junior Ladeira
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Contributions

CN: conceived and designed the study; data collection; wrote the paper. TO: conceived and designed the study; wrote the paper. FS: conceived and designed the study; analyzed and interpreted the data; wrote the paper. WJL: conceived and designed the study; wrote the paper.

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Correspondence to Fernando de Oliveira Santini.

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Neves, C., Oliveira, T., de Oliveira Santini, F. et al. A digital payment generalisation model: a meta-analytic structural equation modelling (MASEM) research. Electron Commer Res (2024). https://doi.org/10.1007/s10660-023-09795-1

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