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JOURNAL OF ACCOUNTING AND FINANCE
Financial Literacy and Mobile Payment Behaviors
Author(s): Chih-Feng Liao, Chun-Da Chen
Citation: Chih-Feng Liao, Chun-Da Chen, (2020) "Financial Literacy and Mobile Payment Behaviors," Journal of Accounting and Finance, Vol. 20, ss. 7, pp. 126-138
Article Type: Research paper
Publisher: North American Business Press
Abstract:
A survey data of National Financial Capability Study (NFCS) is applied to investigate the relationships
between financial literacy and the adoption of mobile/electronic payments in the US. The results show that financial literacy is significantly negatively related to the usage of mobile payment, indicating that people with higher financial literacy are less likely to use mobile payments since such mobile payment service is considered as a type of high-cost borrowing. We also find that gender, age, and level of income are the important factors that might affect the mobile payment services. Therefore, strengthening people’s financial education is needed following the era of FinTech and expansive financial services.
