Digital Financial Services Acceptance Among Low-Income Households in Miri, Sarawak: A Perspective from the Cultural Dimensions Theory
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This study is based on the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) and Hofstede National Culture Theory. It investigates the determinants of behavioral intention to accept digital financial services in Miri, Sarawak among low-income households while considering the moderating roles of cultural dimensions. Findings from the cross-sectional survey on 343 households reveal insights that have theoretical and managerial implications to improve digital financial services offerings for low-income households.
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