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
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

Summary/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.

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