How Technology Use Moderates Financial Literacy and Impulsivity Effects on Revisit Intention

This study investigates the relationship between financial literacy, impulsivity and intention to revisit among foreign tourists visiting Antalya, Türkiye. It also examines the moderating role of technology use in this relationship. A face-to-face survey was conducted using the languages commonly used by tourists visiting Türkiye (English, Russian, German and Polish). The data were evaluated by correlation, confirmatory factor, structural equation, moderator, mediated, and moderator of mediator analyses using SPSS and AMOS programs. The results showed that the financial literacy model included financial knowledge, financial attitude, and financial behaviour and confirmed the relationship between impulsivity and intention to revisit. According to the direct results obtained from the structural equation model, while financial knowledge has a positive effect on impulsivity, the impact of financial attitude is negative. Financial behaviour increased both impulsivity and intention to revisit. Regarding the indirect (mediated) effects, financial knowledge and financial behaviour had a significant positive effect on revisit intention via impulsivity, while financial attitude had a significant negative impact on revisit intention via impulsivity. The results showed that technology use significantly moderates the relationship between financial literacy and intention to revisit. Additionally, technology use moderates the relationship between financial literacy and impulsivity. Furthermore, technology use significantly moderates the relationship between impulsivity and intention to revisit significantly. Finally, technology use did not moderate the mediating effect of impulsivity in the relationship between financial literacy and revisit intention.