Digital Financial Literacy and E-Commerce Adoption in Egypt: A Structural Equation Modeling Approach

نوع المستند : المقالة الأصلية

المؤلفون

الأكاديمية العربية للعلوم والتكنولوجيا والنقل البحري كلية الإدارة والتكنولوجيا

10.21608/cfdj.2025.424721.2380

المستخلص

Purpose
This study investigates the role of Digital Financial Literacy (DFL) in shaping consumers’ intention to adopt e-commerce in Egypt, an emerging economy experiencing rapid digital transformation. It extends traditional technology adoption models by integrating DFL with perceived economic value, perceived ease of use, and trust.
Design/methodology/approach
A quantitative, cross-sectional survey was conducted among 354 Egyptian consumers with prior experience in online shopping and digital financial tools. Structural Equation Modeling (SEM) using AMOS was employed to test direct and mediating relationships among the constructs.
Findings
Results demonstrate that DFL positively influences perceived economic value, perceived ease of use, and trust, which in turn enhance e-commerce adoption intention. Mediation analysis confirmed that perceived value, ease of use, and trust significantly transmit the effects of DFL on adoption. All hypotheses were supported, underscoring the foundational role of DFL in digital commerce engagement.
Research limitations/implications
The study relies on a non-probability sample from Egypt, which limits generalizability. Future research could adopt longitudinal or cross-cultural designs to validate findings across diverse contexts.
Practical implications
The findings highlight the need for policymakers and platform developers to prioritize digital financial education, design user-friendly interfaces, and build consumer trust through transparent practices to accelerate e-commerce adoption.
Originality/value
This paper is among the first to empirically position DFL as a key antecedent in e-commerce adoption models. It provides theoretical and policy-relevant insights into how financial competence enhances digital inclusion in developing economies.

الكلمات الرئيسية

المجلة العلمية للدراسات والبحوث المالية والتجارية
المجلد 7، العدد 1 - الرقم المسلسل للعدد 1
المجلد السابع؛ العدد الأول؛ الجزء الأول؛ يناير 2026
يناير 2026
الصفحة 525-562

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