人工智能,金融服务知识,政府支持和用户创新能力:探索通过中介调节的方式实现金融技术采用
Muhammad Akhtar1, Asma Salman2, Khalid Abdul Ghafoor3
1FAST School of Management, National University of Computer & Emerging Sciences, Islamabad, Pakistan.
Heliyon
|November 21, 2024
概括
金融服务知识,人工智能熟悉度和政府支持积极影响大学生采用金融技术. 用户的创新性在这种采用过程中发挥着关键的调解作用.
科学领域:
- 行为经济学是一种行为经济学.
- 信息系统信息系统信息系统
- 金融技术 金融技术
背景情况:
- 技术接受模型 (TAM) 被扩展,以探索影响金融技术采用的因素.
- 大学学生是未来金融科技整合和经济发展的关键人口.
研究的目的:
- 调查金融服务知识,人工智能熟悉度,政府支持和用户创新能力对大学生采用金融技术的影响.
- 检查用户创新能力在这些因素与金融技术采用之间的关系中扮演的调解角色.
主要方法:
- 对410名大学生进行了横截面调查.
- 使用结构方程建模 (SEM) 来分析数据并测试拟议的研究框架.
主要成果:
- 金融服务知识,人工智能熟悉度,政府支持和用户创新能力直接和积极地影响了金融技术的采用.
- 发现用户的创新性调解了所识别的先例与金融技术采用之间的关系.
- 感知到的易用性对政府支持和用户创新能力之间的联系产生了轻微的缓解效应.
结论:
- 在政府倡议的支持下,提高学生的财务素养和AI熟悉度,可以显著促进金融技术的采用.
- 准大学生对于推动金融科技创新和经济增长至关重要,特别是在发展中亚太经济体.
- 该研究为教育机构和金融科技提供商提供了可操作的见解,以促进这一关键人口群体的采用.
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