Exploring the Role of Mobile App Usability and Digital Literacy in Financial Inclusion

This study examines the role of mobile app usability and digital literacy in driving financial inclusion within urban populations. Utilizing Structural Equation Modelling (SEM), the research analyses the relationships between Financial Inclusion through Mobile Apps (FIM), Usability of Mobile Apps (UM), and Digital Literacy regarding Mobile Apps (DLM). Primary data was gathered from 200 urban respondents through a structured questionnaire. The findings indicate that both mobile app usability and digital literacy significantly contribute to financial inclusion, demonstrating that user-friendly mobile applications and adequate digital literacy levels enhance accessibility and adoption of financial services. The study offers valuable insights for banks, fintech firms, policymakers, and researchers by highlighting the critical factors that facilitate financial inclusion through digital platforms. Furthermore, the research provides a foundation for developing user-centric mobile banking solutions, improving digital literacy initiatives, and shaping policies that promote broader financial participation in urban areas.

Institutions

Publication Details

Journal
Zenodo (CERN European Organization for Nuclear Research)
Published
2025-03-28
DOI
https://doi.org/10.5281/zenodo.15112785
Primary Topic
Species Distribution and Climate Change
Type
article
Field-Weighted Citation Impact
0.00
Controls
|||
ALL TIME
JAN
FEB
MAR
APR
MAY
JUN
JUL
AUG
SEP
OCT
article

Exploring the Role of Mobile App Usability and Digital Literacy in Financial Inclusion

Zenodo (CERN European Organization for Nuclear Research)
Species Distribution and Climate Change
article

Exploring the Role of Mobile App Usability and Digital Literacy in Financial Inclusion

article en

Abstract

This study examines the role of mobile app usability and digital literacy in driving financial inclusion within urban populations. Utilizing Structural Equation Modelling (SEM), the research analyses the relationships between Financial Inclusion through Mobile Apps (FIM), Usability of Mobile Apps (UM), and Digital Literacy regarding Mobile Apps (DLM). Primary data was gathered from 200 urban respondents through a structured questionnaire. The findings indicate that both mobile app usability and digital literacy significantly contribute to financial inclusion, demonstrating that user-friendly mobile applications and adequate digital literacy levels enhance accessibility and adoption of financial services. The study offers valuable insights for banks, fintech firms, policymakers, and researchers by highlighting the critical factors that facilitate financial inclusion through digital platforms. Furthermore, the research provides a foundation for developing user-centric mobile banking solutions, improving digital literacy initiatives, and shaping policies that promote broader financial participation in urban areas.

Zenodo (CERN European Organization for Nuclear Research)
Inspiration Innovation Synergy University (IN)
Quality Education
Openalex Percentile: Top 34%
Species Distribution and Climate Change
AI Navigator

Ask Laika to Summarize, Analyze, and Connect papers live on the map.

Summarize Papers & Methodologies

Extract key findings, datasets, and comparative methods across publications.

Benchmark Rankings & Visual Analytics

Rank top research institutions, authors, funders, topics, and journals by Field-Weighted Citation Impact (FWCI) and paper volume with instant charts.

Connect Distant Disciplines

Bridge topological clusters on the map to find hidden collaborative intersections.