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An Integrated Model of Fintech Adoption: Examining the Dual Serial Mediation of Digital Literacy, Ease of Use, Usefulness, and Perceived Value among Gen Z Students in Saudi Arabia

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Title: An Integrated Model of Fintech Adoption: Examining the Dual Serial Mediation of Digital Literacy, Ease of Use, Usefulness, and Perceived Value among Gen Z Students in Saudi Arabia
Language: English
Authors: Saeed Alzahrani (ORCID 0000-0001-9003-1094), Anish Kumar Bhunia (ORCID 0000-0003-1197-8912)
Source: Educational Process: International Journal. Article e2025370 2025 17.
Availability: UNIVERSITEPARK Limited. iTOWER Plaza (No61, 9th floor) Merkez Mh Akar Cd No3, Sisli, Istanbul, Turkey 34382. e-mail: editor@edupij.com; Web site: http://www.edupij.com/
Peer Reviewed: Y
Page Count: 28
Publication Date: 2025
Document Type: Journal Articles
Reports - Research
Education Level: Higher Education
Postsecondary Education
Descriptors: Foreign Countries, Technology Integration, Educational Technology, Technological Literacy, Usability, Value Judgment, College Students, Student Attitudes, Intention, Money Management, Finance Occupations
Geographic Terms: Saudi Arabia
ISSN: 2147-0901
2564-8020
Abstract: Background/purpose: The present study utilizes an integrated theoretical framework that integrates the Theory of Planned Behaviour, Technology Acceptance Model, and Value-Based Adoption Model to explore the effects of Digital Literacy (DL) on the behavioral intention of the Saudi Generation Z students toward adopting Fintech (FAI). It emphasizes the relationship's dual serial mediation of Perceived Ease of Use (PEOU), Perceived Usefulness (PU), and Perceived Value (PV). Materials/methods: A cross-sectional study involving 210 students (145 males and 65 females) from a public university was conducted using a purposive sampling technique. The model was examined using Structural Equation Modelling with SPSS and SPSS AMOS (Version 27). Results: Results indicate that DL positively affects FAI. PEOU, PU and PV are all taken as partial mediators. Positive partial sequential mediation was also found for the PEOU-PV path and the PU-PV path. Conclusion: Findings support the reliability of the composite model. The research underscores the need for universities to develop DL by providing core skills that enable students to participate effectively in the digital financial ecosystem, which is in line with the goals of Saudi Arabia's Vision 2030.
Abstractor: As Provided
Entry Date: 2025
Accession Number: EJ1483642
Database: ERIC
FullText Text:
  Availability: 0
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  Data: An Integrated Model of Fintech Adoption: Examining the Dual Serial Mediation of Digital Literacy, Ease of Use, Usefulness, and Perceived Value among Gen Z Students in Saudi Arabia
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  Data: <searchLink fieldCode="AR" term="%22Saeed+Alzahrani%22">Saeed Alzahrani</searchLink> (ORCID <externalLink term="https://orcid.org/0000-0001-9003-1094">0000-0001-9003-1094</externalLink>)<br /><searchLink fieldCode="AR" term="%22Anish+Kumar+Bhunia%22">Anish Kumar Bhunia</searchLink> (ORCID <externalLink term="https://orcid.org/0000-0003-1197-8912">0000-0003-1197-8912</externalLink>)
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  Data: <searchLink fieldCode="SO" term="%22Educational+Process%3A+International+Journal%22"><i>Educational Process: International Journal</i></searchLink>. Article e2025370 2025 17.
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  Data: UNIVERSITEPARK Limited. iTOWER Plaza (No61, 9th floor) Merkez Mh Akar Cd No3, Sisli, Istanbul, Turkey 34382. e-mail: editor@edupij.com; Web site: http://www.edupij.com/
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  Data: <searchLink fieldCode="DE" term="%22Foreign+Countries%22">Foreign Countries</searchLink><br /><searchLink fieldCode="DE" term="%22Technology+Integration%22">Technology Integration</searchLink><br /><searchLink fieldCode="DE" term="%22Educational+Technology%22">Educational Technology</searchLink><br /><searchLink fieldCode="DE" term="%22Technological+Literacy%22">Technological Literacy</searchLink><br /><searchLink fieldCode="DE" term="%22Usability%22">Usability</searchLink><br /><searchLink fieldCode="DE" term="%22Value+Judgment%22">Value Judgment</searchLink><br /><searchLink fieldCode="DE" term="%22College+Students%22">College Students</searchLink><br /><searchLink fieldCode="DE" term="%22Student+Attitudes%22">Student Attitudes</searchLink><br /><searchLink fieldCode="DE" term="%22Intention%22">Intention</searchLink><br /><searchLink fieldCode="DE" term="%22Money+Management%22">Money Management</searchLink><br /><searchLink fieldCode="DE" term="%22Finance+Occupations%22">Finance Occupations</searchLink>
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  Label: Geographic Terms
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  Data: <searchLink fieldCode="DE" term="%22Saudi+Arabia%22">Saudi Arabia</searchLink>
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  Data: 2147-0901<br />2564-8020
– Name: Abstract
  Label: Abstract
  Group: Ab
  Data: Background/purpose: The present study utilizes an integrated theoretical framework that integrates the Theory of Planned Behaviour, Technology Acceptance Model, and Value-Based Adoption Model to explore the effects of Digital Literacy (DL) on the behavioral intention of the Saudi Generation Z students toward adopting Fintech (FAI). It emphasizes the relationship's dual serial mediation of Perceived Ease of Use (PEOU), Perceived Usefulness (PU), and Perceived Value (PV). Materials/methods: A cross-sectional study involving 210 students (145 males and 65 females) from a public university was conducted using a purposive sampling technique. The model was examined using Structural Equation Modelling with SPSS and SPSS AMOS (Version 27). Results: Results indicate that DL positively affects FAI. PEOU, PU and PV are all taken as partial mediators. Positive partial sequential mediation was also found for the PEOU-PV path and the PU-PV path. Conclusion: Findings support the reliability of the composite model. The research underscores the need for universities to develop DL by providing core skills that enable students to participate effectively in the digital financial ecosystem, which is in line with the goals of Saudi Arabia's Vision 2030.
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  Data: 2025
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RecordInfo BibRecord:
  BibEntity:
    Languages:
      – Text: English
    PhysicalDescription:
      Pagination:
        PageCount: 28
    Subjects:
      – SubjectFull: Foreign Countries
        Type: general
      – SubjectFull: Technology Integration
        Type: general
      – SubjectFull: Educational Technology
        Type: general
      – SubjectFull: Technological Literacy
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      – SubjectFull: Usability
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      – SubjectFull: Value Judgment
        Type: general
      – SubjectFull: College Students
        Type: general
      – SubjectFull: Student Attitudes
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      – SubjectFull: Intention
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      – SubjectFull: Money Management
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      – SubjectFull: Finance Occupations
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      – SubjectFull: Saudi Arabia
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      – TitleFull: An Integrated Model of Fintech Adoption: Examining the Dual Serial Mediation of Digital Literacy, Ease of Use, Usefulness, and Perceived Value among Gen Z Students in Saudi Arabia
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            NameFull: Saeed Alzahrani
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            NameFull: Anish Kumar Bhunia
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              Type: published
              Y: 2025
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