Use of Digital Finance Platforms for Personal Finance Management in Rural China: Antecedents and Consequences

This study examined the antecedents and consequences of the use of digital finance platforms to manage personal finance of rural people in China. The conceptual framework of the study was developed from the integration of Unified Theory of Acceptance and Use of Technology, DeLone and McLean Model of Information Systems Success, and perceived risk. This study employed a quantitative approach using a questionnaire survey. A total of 403 valid responses were collected using a multi-stage sampling design. Data were analyzed using the Partial Least Squares Structural Equation Modeling technique with the R plspm package. The study revealed that performance expectancy, effort expectancy, facilitating conditions, and perceived risk significantly influence the use of digital finance platforms among rural people in China, which then lead to user satisfaction and net benefits. The research contributed to technology adoption literature in the context of rural people. For practice, the research findings were important to the development of a solid digital finance ecosystem.