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In the rapidly digitizing financial landscape, the ability to effectively use digital tools has become essential for financial well-being. This study examines the impact of digital competence on financial resilience within dual-income married couples, adopting a dyadic perspective. Drawing on the Actor-Partner Interdependence Moderation Model(APIMoM), it studies both actor and partner effects of digital competence. As well as the moderating role of each partner’s attitude toward FinTech. Data was collected from 107 (214 individuals) working couples in Gurgaon, India. Covariance-Based Structural Equation Modeling using SmartPLS revealed that digital competence significantly influences both individuals’ and their partners’ financial resilience. Moreover, attitudes toward FinTech were found to moderate these relationships, strengthening the positive effects of digital competence. Notably, the husband’s attitude had a stronger moderating impact on the wife’s resilience than vice versa, indicating potential gender-based dynamics. The study marks the importance of addressing both digital skills and relational attributes in aiding household financial resilience. Practical implications suggest that digital literacy programs should consider couple-based interventions that target both digital competence and attitude change.

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More Than Skills: How Digital Competence and Partner Attitudes Shape Financial Resilience in Couples

  • 会议论文

  • 发表日期：

    2026年

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  • Anchal Saini,
  • Nitin Kulshrestha

摘要

In the rapidly digitizing financial landscape, the ability to effectively use digital tools has become essential for financial well-being. This study examines the impact of digital competence on financial resilience within dual-income married couples, adopting a dyadic perspective. Drawing on the Actor-Partner Interdependence Moderation Model(APIMoM), it studies both actor and partner effects of digital competence. As well as the moderating role of each partner’s attitude toward FinTech. Data was collected from 107 (214 individuals) working couples in Gurgaon, India. Covariance-Based Structural Equation Modeling using SmartPLS revealed that digital competence significantly influences both individuals’ and their partners’ financial resilience. Moreover, attitudes toward FinTech were found to moderate these relationships, strengthening the positive effects of digital competence. Notably, the husband’s attitude had a stronger moderating impact on the wife’s resilience than vice versa, indicating potential gender-based dynamics. The study marks the importance of addressing both digital skills and relational attributes in aiding household financial resilience. Practical implications suggest that digital literacy programs should consider couple-based interventions that target both digital competence and attitude change.