消费者使用绿色金融产品的行为意愿:在理论框架内的实证研究
Xiangwei Xie1, Chunxi Gong2, Zhenqing Su3
1School of Business, Southwest University, Chongqing 402460, China.
Behavioral sciences (Basel, Switzerland)
|August 29, 2024
概括
消费者对绿色金融产品的参与,如支付宝森林是由自主性,游戏化和奖金驱动的,而不是年龄. 这项研究揭示了影响人们使用这些创新的数字金融工具的意愿的关键因素.
科学领域:
- 数字金融数字金融
- 环境经济学环境经济学
- 消费者行为 消费者行为
背景情况:
- 数字和绿色金融的融合是一个日益增长的全球趋势,由互联网经济和环境问题驱动.
- 中国的支付宝森林开创了"绿色金融加游戏化"模式,量化了用户行为的碳减排.
- 关于推动消费者参与绿色金融产品的机制的学术理解有限.
研究的目的:
- 调查影响消费者使用绿色金融产品的意愿因素.
- 分析支付宝森林的有效性,作为绿色金融参与的案例研究.
- 开发和测试一个整合自决理论,客户感知价值和技术接受的结构方程模型.
主要方法:
- 开发一个结构方程模型,包括自主性,游戏化,奖金和客户感知的价值.
- 将用户类型作为模型中的控制变量.
- 从606名参与者收集数据,分析影响使用绿色金融产品的意愿因素.
主要成果:
- 自主性,游戏化和奖金被确定为用户愿意使用绿色金融产品的重要预测因素.
- 客户感知价值作为模型中的调解变量.
- 发现年龄是一个例外,并不能显著预测使用这些产品的意愿.
结论:
- 该研究通过整合关键的心理和技术理论,推进了对绿色金融消费者行为的理论理解.
- 调查结果为金融机构提供了实际见解,以加强绿色金融服务的营销策略.
- 强调利用互联网应用程序通过数字金融促进环境可持续性的机会.
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