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Adoption of digital financial transactions: A review of literature and future research agenda

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  • Kajol, K.
  • Singh, Ranjit
  • Paul, Justin

Abstract

This review synthesizes the prior literature on digital financial transactions (DFTs), identifies the factors that influence the adoption of DFTs, and sheds light on the research gaps in this area. This review focuses on the empirical studies published from 2009 to 2020. We identify fifteen factors that motivate the adoption of DFTs as well as five inhibitors to adoption. The literature lists perceived usefulness, perceived ease of use, compatibility, trust, security, effort expectancy, performance expectancy, and facilitating conditions as the most significant factors affecting the adoption of DFTs. In the study, cost of use, perceived danger, complexity, unwillingness to change, and privacy concerns are identified as major challenges to DFT adoption. Additionally, the paper outlines various research gaps in this field of research, particularly from the standpoint of methodology. The present work has significance for policymakers and managers in formulating policies and strategies to encourage the adoption of DFTs. As per the results, a research agenda for the future has been established.

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  • Kajol, K. & Singh, Ranjit & Paul, Justin, 2022. "Adoption of digital financial transactions: A review of literature and future research agenda," Technological Forecasting and Social Change, Elsevier, vol. 184(C).
    • Handle: RePEc:eee:tefoso:v:184:y:2022:i:c:s0040162522005121
    DOI: 10.1016/j.techfore.2022.121991
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