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<p>As digital transformation reshapes the financial landscape, understanding how individuals sustain their use of mobile financial services (MFS) has become increasingly important. While digital financial literacy (DFL) is widely recognized as essential for technology-enabled financial inclusion, the mechanisms through which DFL fosters continual usage of MFS remain under-explored. Guided by the Technology continuance theory (TCT), this study investigates how satisfaction, perceived usefulness, and attitude mediate the relationship between DFL and the continual use of MFS. The study validates the proposed hypotheses using survey data from 359 tertiary students from the Ghanaian universities. The study employed structural equation modeling to validate the hypotheses. The study reveals that DFL has a significant positive effect on continued MFS usage. Furthermore, DFL positively influences satisfaction, perceived usefulness, and attitude, three core constructs of TCT which in turn significantly predict continual usage of MFS. The mediation analysis shows that satisfaction, perceived usefulness, and attitude partially mediate the link between DFL and continued MFS usage. The paper offers insights for universities, financial institutions, and policymakers aiming to enhance digital financial engagement among young adults through education, platform design, and policy alignment.</p>

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The pathways from digital financial literacy to sustained engagement with mobile financial services: a technology continuance theory perspective

  • 期刊论文

  • 发表日期：

    2025年11月24日

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  • Francis Kamewor Tetteh,
  • Kwame Owusu Kwateng

摘要

As digital transformation reshapes the financial landscape, understanding how individuals sustain their use of mobile financial services (MFS) has become increasingly important. While digital financial literacy (DFL) is widely recognized as essential for technology-enabled financial inclusion, the mechanisms through which DFL fosters continual usage of MFS remain under-explored. Guided by the Technology continuance theory (TCT), this study investigates how satisfaction, perceived usefulness, and attitude mediate the relationship between DFL and the continual use of MFS. The study validates the proposed hypotheses using survey data from 359 tertiary students from the Ghanaian universities. The study employed structural equation modeling to validate the hypotheses. The study reveals that DFL has a significant positive effect on continued MFS usage. Furthermore, DFL positively influences satisfaction, perceived usefulness, and attitude, three core constructs of TCT which in turn significantly predict continual usage of MFS. The mediation analysis shows that satisfaction, perceived usefulness, and attitude partially mediate the link between DFL and continued MFS usage. The paper offers insights for universities, financial institutions, and policymakers aiming to enhance digital financial engagement among young adults through education, platform design, and policy alignment.