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Erscheinungsjahr: 
2024
Quellenangabe: 
[Journal:] Digital Business [ISSN:] 2666-9544 [Volume:] 4 [Issue:] 2 [Article No.:] 100092 [Year:] 2024 [Pages:] 1-22
Verlag: 
Elsevier, Amsterdam
Zusammenfassung: 
The COVID-19 pandemic has spurred a surge in digital payments, with over 40 % of adults in low- and middle-income countries making their first merchant payments using cards, phones, or the internet since the pandemic began. This study examines the determinants of adopting digital payments during the COVID-19 pandemic in Ethiopia. To achieve this objective, the study utilized secondary data from the World Bank's most recent dataset, collected as part of the Global Findex Database 2021. A Covariance Based-Structural Equation Modeling (CB-SEM) was applied to analyze the data and explore the intricate pathways between variables. The mediation role of the use of technological tools on the relationship between socio-economic factors and digital payment adoption was also examined. Accordingly, mobile ownership, having an ATM/Debit card, and internet access were the technological tools significantly determining digital payment adoption. Age, education, income quantile, receiving wage payment, and engagement in formal financial transactions (as a proxy for financial inclusion) were among the socio-economic characteristics influencing digital payment adoption. Engagement in formal financial inclusion, mobile ownership, having an ATM/Debit card, and internet access were also influenced by individuals' socio-economic characteristics. Mobile ownership, having an ATM/Debit card, internet access, and engagement in formal financial transactions were significant mediating factors in the relationship between digital payment and socio-economic predictors.
Schlagwörter: 
Adoption
Determinants
Digital infrastructure
Digital payment
Socioeconomic
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