What question did this study set out to answer?

To identify the socioeconomic and digital infrastructure determinants governing digital payment adoption during the COVID-19 pandemic in Ethiopia.

October 30, 2024Digital BusinessOpen Access

Exploring individuals' socioeconomic characteristics and digital infrastructure determinants of digital payment adoption in Ethiopia

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To identify the socioeconomic and digital infrastructure determinants governing digital payment adoption during the COVID-19 pandemic in Ethiopia.
Analyzed nationally representative secondary survey data from the World Bank's Global Findex Database 2021.
Conducted Covariance-Based Structural Equation Modeling (CB-SEM) to evaluate direct structural pathways and mediating effects of technology access.
Mobile phone ownership, ATM/debit card possession, and internet connectivity acted as significant direct determinants of digital payment adoption.
Socioeconomic characteristics including age, education, income quantile, wage receipt, and formal financial engagement significantly influenced adoption behavior.
Access to technological tools and formal financial services significantly mediated the relationship between individuals' socioeconomic characteristics and digital payment use.

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Implication

Cross-sectional analysis reveals key technological and economic drivers of cashless payments, indicating that digital infrastructure mediates financial inclusion.

Cite This Study

Andaregie et al. (2024) studied this question.

synapsesocial.com/papers/6a1d1e16102421609404e12d https://doi.org/10.1016/j.digbus.2024.100092

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Implication

Cross-sectional analysis reveals key technological and economic drivers of cashless payments, indicating that digital infrastructure mediates financial inclusion.

Exploring individuals' socioeconomic characteristics and digital infrastructure determinants of digital payment adoption in Ethiopia

Key Points

Discussion

Implication

Cite This Study

Exploring individuals' socioeconomic characteristics and digital infrastructure determinants of digital payment adoption in Ethiopia

Key Points

Discussion

Implication

Cite This Study

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Also Consider