The advent of the current Digital Era is intricately linked to the evolution of Financial Technology (Fintech), with recent events such as the COVID-19 pandemic significantly accelerating this progress. This rapid advancement has resulted in a widespread enhancement of digital literacy among individuals; nevertheless, there is a discernible increase in the significance of financial literacy. In Jordan, there remains a notable deficiency in Financial Literacy, accompanied by a substantial gap between Financial Literacy and Financial Inclusion. The primary objective of this research is to determine the role of financial literacy and digital literacy in influencing millennials’ Fintech usage, while considering the moderating effect of gender. The research adopts a quantitative cross-sectional design. To collect the required data for this research, a survey has been conducted via a questionnaire to investigate Jordanian citizens’ (Millennials) perceptions regarding the research model constructs. A sample of 463 completed the questionnaire based on their awareness of Fintech services and their ability to participate in the study. This study adopted a structural equation modelling (SEM) technique with partial least squares (PLS) as an analysis method. Findings revealed that both financial and digital literacy jointly determine the use of Fintech services. Also, the results indicated that gender did not moderate the relationships between digital literacy and financial literacy with the use of Fintech. The study contributes some recommendations and future work.
This study develops and validates a framework for evaluating the success of welfare-oriented digital platforms, with a focus on Thailand’s national pension system. The framework integrates the Information Systems Success Moe (ISSM) and the Technology Acceptance Model (TAM) with trust as a socio-technical construct to evaluate stability, usability, and trustworthiness in aging societies. The data was collected using a survey of 400 elderly citizens and analyzed using structural equation modeling (SEM) with the Jamovi software. The findings were further supplemented by a thematic analysis of the open-ended responses, which provided context for anomalies, such as instability in use, fraud risk, and usability issues, among other concerns. System quality increased perceived ease of use but decreased perceived usefulness when instability occurred. Trust increased usefulness but was not a predictor of behavioral intention. Ease of use unexpectedly decreased intention. User satisfaction, rather than actual use, surfaced as the strongest predictor of net benefits. These findings underscore that the anomalies of adoption are a result of structural and institutional barriers rather than user reluctance. The study rethinks adoption constructs as indicators of system success, thereby expanding the ISSM-TAM integration. It provides policymakers and system architects with a means to diagnose problems and develop welfare information systems for aging societies that are more resilient, trustworthy, and accessible.