The Digital Payment–Expenditure Nexus: Examining Technology Readiness as a Boundary Condition in Bangladesh’s E-Commerce Sector
DOI:
https://doi.org/10.55737/trt/vi-i.183Keywords:
Mobile Payment Adoption, Online Shopping Expenditure, User-Friendliness, Data Security, Technology ReadinessAbstract
This study examines the impact of mobile payment adoption on online shopping spending in Bangladesh, as well as the moderating effect of technology readiness. The researchers employ a quantitative research design and Structural Equation Modeling (SEM) to investigate how user-friendliness, data security, and technology preparedness impact consumer behavior in the e-commerce industry. These findings reveal that mobile payment, ease of use, and data security are the most crucial variables in defining the increasing proportion of online shopping expenditure, with user-friendliness and data security taking the first positions. In addition, future technology preparedness has also been identified as a significant moderator that strengthens the correlation between the adoption of mobile payments and consumer spending. The results could provide valuable data to businesses and policymakers, and even the digital payment providers, by declaring the need to enhance the usefulness and security of mobile payment systems and promote technology readiness to drive consumer acceptance and spending rates. The results have theoretical and practical implications for the development of a digital finance ecosystem in developing markets.
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