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Author

Basavaraj Gaddigal

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Open access Sep 2026

Digital Financial Services Adoption among Employees:Integrating Trust, Financial Literacy and Technology Self-Efficacy

Digital financial services have become central to financial transactions, yet adoption depends on more than access to technology. This study examines the effects of trust, financial literacy, and technology self-efficacy on digital financial services adoption among employees. Using data from 200 respondents, the model...

Nelson Chongtham, Sudhanshu Narain, Basavaraj Gaddigal et al. · 0 citations

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