无现金支付:COVID-19 大流行期间的行为变化和性别动态

IF 3.8 Q2 BUSINESS EuroMed Journal of Business Pub Date : 2024-03-14 DOI:10.1108/emjb-11-2023-0299
Elvira Anna Graziano, Flaminia Musella, Gerardo Petroccione
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引用次数: 0

摘要

目的本研究旨在通过将金融知识与数字支付意识相关联、研究媒体焦虑和金融安全以及性别分析,调查 COVID-19 大流行对意大利消费者支付行为的影响。设计/方法/途径在 2021 年 11 月至 2022 年 2 月期间对 836 名意大利公民进行了在线调查,通过考虑行为特征和金融知识的各个方面,调查了消费者对无现金支付的态度。分析结果表明,对感染 COVID-19 的恐惧和金融知识水平对意大利人的支付行为有直接影响,两者的权重完全不同。由于媒体传播有关该流行病的消息而产生的恐惧间接影响了消费者的非现金态度。性别多组分析的初步结果显示,非现金支付在男性和女性亚群中是相同的。它研究了 COVID-19 大流行对人们支付选择的影响,评估了他们的知识,并考虑了媒体引发的焦虑的影响。通过将这些因素结合在一起,该研究从性别角度进行了分析,从而让人们了解在大流行病期间金融行为是如何形成的。
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Cashless payment: behavior changes and gender dynamics during the COVID-19 pandemic

Purpose

The objective of this study is to investigate the impact of the COVID-19 pandemic on the consumer payment behavior in Italy by correlating financial literacy with digital payment awareness, examining media anxiety and financial security, and including a gender analysis.

Design/methodology/approach

Consumers’ attitudes toward cashless payments were investigated using an online survey conducted from November 2021 to February 2022 on a sample of 836 Italian citizens by considering the behavioral characteristics and aspects of financial literacy. Structural equation modeling (SEM) was used to test the hypotheses and to determine whether the model was invariant by gender.

Findings

The analysis showed that the fear of contracting COVID-19 and the level of financial literacy had a direct influence on the payment behavior of Italians, which was completely different in its weighting. Fear due to the spread of news regarding the pandemic in the media indirectly influenced consumers’ noncash attitude. The preliminary results of the gender multigroup analysis showed that cashless payment was the same in the male and female subpopulations.

Originality/value

This research is noteworthy because of its interconnected examination. It examined the effects of the COVID-19 pandemic on people’s payment choices, assessed their knowledge, and considered the influence of media-induced anxiety. By combining these factors, the study offered an analysis from a gender perspective, providing understanding of how financial behaviors were shaped during the pandemic.

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来源期刊
CiteScore
9.80
自引率
19.20%
发文量
61
期刊介绍: The EuroMed Journal of Business (EMJB) is the premier publication facilitating dialogue among researchers from Europe and the Mediterranean. It plays a vital role in generating and disseminating knowledge about various business environments and trends in this region. By offering an up-to-date overview of emerging business practices in specific countries, EMJB serves as a valuable resource for its readers. As the official journal of the EuroMed Academy of Business, EMJB is committed to reflecting the economic growth seen in the European-Mediterranean region. It aims to be a focused and targeted business journal, highlighting environmental opportunities, threats, and marketplace developments in the area. Through its efforts, EMJB promotes collaboration and open dialogue among diverse research cultures and practices. EMJB serves as a platform for debating and disseminating research findings, new research areas and techniques, conceptual developments, and practical applications across various business segments. It seeks to provide a forum for discussing new ideas in business, including theory, practice, and the issues that arise within the field.
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