IDEAS home Printed from https://ideas.repec.org/a/ibn/ibrjnl/v18y2025i6p1.html

From Pleasure to Purchase: Impulse Buying and Financial Capability in Mobile Wallet Usage

Author

Listed:
  • Giuseppe Granata
  • Giancarlo Scozzese

Abstract

This study examines how perceived enjoyment influences impulsive buying in the context of mobile wallet usage, extending the Stimulus–Organism–Response (S–O–R) framework by introducing financial capability as a moderating construct. Survey data from 215 Generation Y consumers in a European digital market were analyzed using Partial Least Squares Structural Equation Modelling (PLS-SEM). The results show that perceived enjoyment significantly mediates the effects of interactivity, visual appeal, transaction convenience, and subjective norms on impulsive buying behavior. Among these antecedents, transaction convenience and visual appeal emerged as the strongest predictors of enjoyment. Moreover, financial capability strengthens the enjoyment–impulse link, suggesting that consumers with higher financial literacy and confidence are more likely to translate digital pleasure into spontaneous purchases. By integrating hedonic and financial factors, this research contributes to digital consumer behavior theory by clarifying the emotional mechanisms that drive impulse buying in fintech environments. The study also provides actionable insights for fintech providers and marketers seeking to balance engaging design with responsible financial behavior.

Suggested Citation

  • Giuseppe Granata & Giancarlo Scozzese, 2025. "From Pleasure to Purchase: Impulse Buying and Financial Capability in Mobile Wallet Usage," International Business Research, Canadian Center of Science and Education, vol. 18(6), pages 1-1, December.
    • Handle: RePEc:ibn:ibrjnl:v:18:y:2025:i:6:p:1
    as

    Download full text from publisher

    File URL: https://ccsenet.org/journal/index.php/ibr/article/download/0/0/52451/57124
    Download Restriction: no
    File URL: https://ccsenet.org/journal/index.php/ibr/article/view/0/52451
    Download Restriction: no
    ---><---

    References listed on IDEAS

    as
    1. Anh Tho To & Thi Hong Minh Trinh, 2021. "Understanding behavioral intention to use mobile wallets in vietnam: Extending the tam model with trust and enjoyment," Cogent Business & Management, Taylor & Francis Journals, vol. 8(1), pages 1891661-189, January.
    Full references (including those not matched with items on IDEAS)

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Khwanjira Ponsree & Phaninee Naruetharadhol, 2025. "Unveiling the determinants of alternative payment adoption: exploring the factors shaping generation Z’s intentions in Thailand," International Entrepreneurship and Management Journal, Springer, vol. 21(1), pages 1-34, December.
    2. K Padma Kiran & Naga Sailaja Vedala, 2025. "Assessing Unified Payments Interface (UPI) adoption and usage through the interplay of UTAUT factors," Humanities and Social Sciences Communications, Palgrave Macmillan, vol. 12(1), pages 1-12, December.
    3. Asad Ahmad & Dag Øivind Madsen & Swati Garg, 2025. "How satisfied am I with mobile wallets? Exploring the nexus between MSQual, hedonism, and satisfaction," Future Business Journal, Springer, vol. 11(1), pages 1-11, December.
    4. Nhan-Thanh Thi Nguyen & Phuc-Thien Tran & Tri-Quan Dang & Luan-Thanh Nguyen, 2024. "The future of non-contact commerce: the role of voice payments," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(4), pages 1260-1278, December.
    5. Perengki Susanto & Mohammad Enamul Hoque & Verselly Nisaa & Md Asadul Islam & Yusniza Kamarulzaman, 2023. "Predicting m-Commerce Continuance Intention and Price Sensitivity in Indonesia by Integrating of Expectation-Confirmation and Post-acceptance Model," SAGE Open, , vol. 13(3), pages 21582440231, July.
    6. Shagun Tyagi & Ashulekha Gupta & Nabila Ansari, 2024. "Adoption and perception of banking customers towards green mode of banking: a demonstration of structural equation modelling," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(3), pages 826-842, September.
    7. Cudjoe, Dan & Zhu, Bangzhu & Wang, Hong, 2024. "The role of incentive policies and personal innovativeness in consumers' carbon footprint tracking apps adoption in China," Journal of Retailing and Consumer Services, Elsevier, vol. 79(C).
    8. Ibrahim N. Khatatbeh & Hashem Alshurafat & Mohannad Obeid Al Shbail & Fouad Jamaani, 2023. "Factors Affecting Employees Use and Acceptance of Remote Working During the COVID-19 Pandemic: Evidence From the Jordanian Insurance Sector," SAGE Open, , vol. 13(2), pages 21582440231, June.
    9. Sahid Susilo Nugroho & Widya Paramita, 2024. "Trust-building mechanism for promoting mobile payments' continued use by small businesses in a developing country: tackling the perceived risk issue," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(3), pages 936-945, September.
    10. Suriani Jack & Azlina Bujang & Jati Kasuma Ali & Leviana Andrew, 2025. "The Role of Social Influence in Alumni Engagement: Examining Behavioural Intention and Digital Platform Usage," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 9(3), pages 1340-1349, March.
    11. Ikramuddin Junejo & Dr. Taskeen Zahra Buriro & Muhammad Sufyan Ramish & Dr. Syed Salahuddin, 2024. "Impact of Perceived Ease of Use and Perceived Usefulness on Behavioral Intention to Use Blockchain in Food Supply Firms: The Mediating Role of Employee Attitude," Bulletin of Business and Economics (BBE), Research Foundation for Humanity (RFH), vol. 13(2), pages 174-180.
    12. de Blanes Sebastián, María García & Antonovica, Arta & Sarmiento Guede, José Ramón, 2023. "What are the leading factors for using Spanish peer-to-peer mobile payment platform Bizum? The applied analysis of the UTAUT2 model," Technological Forecasting and Social Change, Elsevier, vol. 187(C).
    13. Neena Sinha & Nidhi Singh, 2023. "Moderating and mediating effect of perceived experience on merchant's behavioral intention to use mobile payments services," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 28(3), pages 448-465, September.

    More about this item

    JEL classification:

    • R00 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - General - - - General
    • Z0 - Other Special Topics - - General

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:ibn:ibrjnl:v:18:y:2025:i:6:p:1. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Canadian Center of Science and Education (email available below). General contact details of provider: https://edirc.repec.org/data/cepflch.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.