{"id":"https://openalex.org/W4389307087","doi":"https://doi.org/10.1108/k-07-2023-1295","title":"Assessing indirect effect of\u00a0behavioral intentions on\u00a0financial inclusion \u2013 a serial mediation model","display_name":"Assessing indirect effect of\u00a0behavioral intentions on\u00a0financial inclusion \u2013 a serial mediation model","publication_year":2023,"publication_date":"2023-12-04","ids":{"openalex":"https://openalex.org/W4389307087","doi":"https://doi.org/10.1108/k-07-2023-1295"},"language":"en","primary_location":{"id":"doi:10.1108/k-07-2023-1295","is_oa":false,"landing_page_url":"https://doi.org/10.1108/k-07-2023-1295","pdf_url":null,"source":{"id":"https://openalex.org/S168682784","display_name":"Kybernetes","issn_l":"0368-492X","issn":["0368-492X","1758-7883"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310319811","host_organization_name":"Emerald Publishing Limited","host_organization_lineage":["https://openalex.org/P4310319811"],"host_organization_lineage_names":["Emerald Publishing Limited"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Kybernetes","raw_type":"journal-article"},"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5028496502","display_name":"Muhammad Aamir Shaheen","orcid":"https://orcid.org/0000-0001-5881-5446"},"institutions":[{"id":"https://openalex.org/I174731842","display_name":"Islamia University of Bahawalpur","ror":"https://ror.org/002rc4w13","country_code":"PK","type":"education","lineage":["https://openalex.org/I174731842"]}],"countries":["PK"],"is_corresponding":true,"raw_author_name":"Muhammad Aamir Shaheen","raw_affiliation_strings":["Department of Commerce, The Islamia University of Bahawalpur Pakistan, Bahawalpur, Pakistan"],"affiliations":[{"raw_affiliation_string":"Department of Commerce, The Islamia University of Bahawalpur Pakistan, Bahawalpur, Pakistan","institution_ids":["https://openalex.org/I174731842"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5085618184","display_name":"Shoaib Aslam","orcid":"https://orcid.org/0000-0001-6817-6246"},"institutions":[{"id":"https://openalex.org/I174731842","display_name":"Islamia University of Bahawalpur","ror":"https://ror.org/002rc4w13","country_code":"PK","type":"education","lineage":["https://openalex.org/I174731842"]}],"countries":["PK"],"is_corresponding":false,"raw_author_name":"Shoaib Aslam","raw_affiliation_strings":["Department of Commerce, The Islamia University of Bahawalpur Pakistan, Bahawalpur, Pakistan"],"affiliations":[{"raw_affiliation_string":"Department of Commerce, The Islamia University of Bahawalpur Pakistan, Bahawalpur, Pakistan","institution_ids":["https://openalex.org/I174731842"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5103193973","display_name":"Salman Mahmood","orcid":"https://orcid.org/0000-0001-8471-3240"},"institutions":[{"id":"https://openalex.org/I25399270","display_name":"Southwest Forestry University","ror":"https://ror.org/03dfa9f06","country_code":"CN","type":"education","lineage":["https://openalex.org/I25399270"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Salman Mahmood","raw_affiliation_strings":["Faculty of Economics and Management, Southwest Forestry University, Kunming, China"],"affiliations":[{"raw_affiliation_string":"Faculty of Economics and Management, Southwest Forestry University, Kunming, China","institution_ids":["https://openalex.org/I25399270"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5102426884","display_name":"Mumtaz Ahmad","orcid":null},"institutions":[{"id":"https://openalex.org/I174731842","display_name":"Islamia University of Bahawalpur","ror":"https://ror.org/002rc4w13","country_code":"PK","type":"education","lineage":["https://openalex.org/I174731842"]}],"countries":["PK"],"is_corresponding":false,"raw_author_name":"Mumtaz Ahmad","raw_affiliation_strings":["Department of Commerce, The Islamia University of Bahawalpur Pakistan, Bahawalpur, Pakistan"],"affiliations":[{"raw_affiliation_string":"Department of Commerce, The Islamia University of Bahawalpur Pakistan, Bahawalpur, Pakistan","institution_ids":["https://openalex.org/I174731842"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5081205957","display_name":"Sumaira Tabassum","orcid":"https://orcid.org/0000-0002-8900-9911"},"institutions":[{"id":"https://openalex.org/I174731842","display_name":"Islamia University of Bahawalpur","ror":"https://ror.org/002rc4w13","country_code":"PK","type":"education","lineage":["https://openalex.org/I174731842"]}],"countries":["PK"],"is_corresponding":false,"raw_author_name":"Sumaira Tabassum","raw_affiliation_strings":["Department of Commerce, The Islamia University of Bahawalpur Pakistan, Bahawalpur, Pakistan"],"affiliations":[{"raw_affiliation_string":"Department of Commerce, The Islamia University of Bahawalpur Pakistan, Bahawalpur, Pakistan","institution_ids":["https://openalex.org/I174731842"]}]}],"institutions":[],"countries_distinct_count":2,"institutions_distinct_count":5,"corresponding_author_ids":["https://openalex.org/A5028496502"],"corresponding_institution_ids":["https://openalex.org/I174731842"],"apc_list":null,"apc_paid":null,"fwci":2.6733,"has_fulltext":false,"cited_by_count":5,"citation_normalized_percentile":{"value":0.92798589,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":90,"max":98},"biblio":{"volume":"54","issue":"3","first_page":"1424","last_page":"1446"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10068","display_name":"Technology Adoption and User Behaviour","score":0.9987999796867371,"subfield":{"id":"https://openalex.org/subfields/1802","display_name":"Information Systems and Management"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10068","display_name":"Technology Adoption and User Behaviour","score":0.9987999796867371,"subfield":{"id":"https://openalex.org/subfields/1802","display_name":"Information Systems and Management"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10355","display_name":"Impact of Technology on Adolescents","score":0.9904999732971191,"subfield":{"id":"https://openalex.org/subfields/3312","display_name":"Sociology and Political Science"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T12392","display_name":"Sharing Economy and Platforms","score":0.9889000058174133,"subfield":{"id":"https://openalex.org/subfields/1406","display_name":"Marketing"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/financial-literacy","display_name":"Financial literacy","score":0.7844505310058594},{"id":"https://openalex.org/keywords/financial-inclusion","display_name":"Financial inclusion","score":0.7282695770263672},{"id":"https://openalex.org/keywords/mediation","display_name":"Mediation","score":0.69795161485672},{"id":"https://openalex.org/keywords/structural-equation-modeling","display_name":"Structural equation modeling","score":0.6695724725723267},{"id":"https://openalex.org/keywords/inclusion","display_name":"Inclusion (mineral)","score":0.6219674944877625},{"id":"https://openalex.org/keywords/psychology","display_name":"Psychology","score":0.597176194190979},{"id":"https://openalex.org/keywords/financial-services","display_name":"Financial services","score":0.5033769011497498},{"id":"https://openalex.org/keywords/construct","display_name":"Construct (python library)","score":0.5023419857025146},{"id":"https://openalex.org/keywords/service","display_name":"Service (business)","score":0.46044501662254333},{"id":"https://openalex.org/keywords/originality","display_name":"Originality","score":0.4573300778865814},{"id":"https://openalex.org/keywords/behavioral-modeling","display_name":"Behavioral modeling","score":0.43653759360313416},{"id":"https://openalex.org/keywords/social-psychology","display_name":"Social psychology","score":0.4028375744819641},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.3251025676727295},{"id":"https://openalex.org/keywords/marketing","display_name":"Marketing","score":0.25868335366249084},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.18014749884605408},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.14845037460327148},{"id":"https://openalex.org/keywords/artificial-intelligence","display_name":"Artificial intelligence","score":0.08150649070739746}],"concepts":[{"id":"https://openalex.org/C2777941463","wikidata":"https://www.wikidata.org/wiki/Q1416374","display_name":"Financial literacy","level":2,"score":0.7844505310058594},{"id":"https://openalex.org/C2779251847","wikidata":"https://www.wikidata.org/wiki/Q60852","display_name":"Financial inclusion","level":3,"score":0.7282695770263672},{"id":"https://openalex.org/C179420905","wikidata":"https://www.wikidata.org/wiki/Q223871","display_name":"Mediation","level":2,"score":0.69795161485672},{"id":"https://openalex.org/C71104824","wikidata":"https://www.wikidata.org/wiki/Q1476639","display_name":"Structural equation modeling","level":2,"score":0.6695724725723267},{"id":"https://openalex.org/C109359841","wikidata":"https://www.wikidata.org/wiki/Q728944","display_name":"Inclusion (mineral)","level":2,"score":0.6219674944877625},{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.597176194190979},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.5033769011497498},{"id":"https://openalex.org/C2780801425","wikidata":"https://www.wikidata.org/wiki/Q5164392","display_name":"Construct (python library)","level":2,"score":0.5023419857025146},{"id":"https://openalex.org/C2780378061","wikidata":"https://www.wikidata.org/wiki/Q25351891","display_name":"Service (business)","level":2,"score":0.46044501662254333},{"id":"https://openalex.org/C2776950860","wikidata":"https://www.wikidata.org/wiki/Q2914681","display_name":"Originality","level":3,"score":0.4573300778865814},{"id":"https://openalex.org/C78639753","wikidata":"https://www.wikidata.org/wiki/Q3318160","display_name":"Behavioral modeling","level":2,"score":0.43653759360313416},{"id":"https://openalex.org/C77805123","wikidata":"https://www.wikidata.org/wiki/Q161272","display_name":"Social psychology","level":1,"score":0.4028375744819641},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.3251025676727295},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.25868335366249084},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.18014749884605408},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.14845037460327148},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.08150649070739746},{"id":"https://openalex.org/C11012388","wikidata":"https://www.wikidata.org/wiki/Q170658","display_name":"Creativity","level":2,"score":0.0},{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","level":1,"score":0.0},{"id":"https://openalex.org/C199539241","wikidata":"https://www.wikidata.org/wiki/Q7748","display_name":"Law","level":1,"score":0.0},{"id":"https://openalex.org/C199360897","wikidata":"https://www.wikidata.org/wiki/Q9143","display_name":"Programming language","level":1,"score":0.0},{"id":"https://openalex.org/C17744445","wikidata":"https://www.wikidata.org/wiki/Q36442","display_name":"Political science","level":0,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1108/k-07-2023-1295","is_oa":false,"landing_page_url":"https://doi.org/10.1108/k-07-2023-1295","pdf_url":null,"source":{"id":"https://openalex.org/S168682784","display_name":"Kybernetes","issn_l":"0368-492X","issn":["0368-492X","1758-7883"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310319811","host_organization_name":"Emerald Publishing Limited","host_organization_lineage":["https://openalex.org/P4310319811"],"host_organization_lineage_names":["Emerald Publishing Limited"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Kybernetes","raw_type":"journal-article"}],"best_oa_location":null,"sustainable_development_goals":[{"display_name":"Quality Education","id":"https://metadata.un.org/sdg/4","score":0.5899999737739563}],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":38,"referenced_works":["https://openalex.org/W1758886324","https://openalex.org/W1774460361","https://openalex.org/W1807769453","https://openalex.org/W1988050849","https://openalex.org/W1988897250","https://openalex.org/W2042432542","https://openalex.org/W2098419406","https://openalex.org/W2100379340","https://openalex.org/W2105846236","https://openalex.org/W2107031757","https://openalex.org/W2140964565","https://openalex.org/W2145323950","https://openalex.org/W2252936959","https://openalex.org/W2529001714","https://openalex.org/W2762006914","https://openalex.org/W2800465435","https://openalex.org/W2884796378","https://openalex.org/W2923410225","https://openalex.org/W2940724279","https://openalex.org/W3003504642","https://openalex.org/W3006973895","https://openalex.org/W3008577582","https://openalex.org/W3036878907","https://openalex.org/W3128855720","https://openalex.org/W3162643320","https://openalex.org/W3169795544","https://openalex.org/W3170155989","https://openalex.org/W3179737979","https://openalex.org/W3188699755","https://openalex.org/W3216492618","https://openalex.org/W4200259647","https://openalex.org/W4210542665","https://openalex.org/W4243565408","https://openalex.org/W4283651790","https://openalex.org/W4293479086","https://openalex.org/W4296124499","https://openalex.org/W4308144946","https://openalex.org/W4360977122"],"related_works":["https://openalex.org/W4384344948","https://openalex.org/W4206246927","https://openalex.org/W2921639301","https://openalex.org/W3093963749","https://openalex.org/W4210387315","https://openalex.org/W4376505193","https://openalex.org/W4385390221","https://openalex.org/W2258893630","https://openalex.org/W3140380803","https://openalex.org/W3173832476"],"abstract_inverted_index":{"Purpose":[0],"The":[1,73,106],"research":[2,31],"examines":[3],"how":[4],"behavioral":[5,81,89,109,142],"intentions,":[6],"as":[7],"a":[8,33,52],"higher-order":[9],"construct,":[10],"indirectly":[11],"affect":[12],"financial":[13,21,84,101,104,112,123,145,158],"inclusion":[14,85,102,113],"through":[15,42,86,94,103,114],"service":[16,95,118,153],"trust,":[17,96,119,154],"usage":[18],"behavior":[19,93,99,121,156],"and":[20,97,122,144,157],"literacy":[22,124],"in":[23,136],"mobile":[24],"money":[25],"adoption.":[26],"Design/methodology/approach":[27],"Following":[28],"the":[29,70,76,138,149],"positivist":[30],"philosophy,":[32],"cross-sectional":[34],"study":[35,60,74],"design":[36],"was":[37,125],"used":[38],"to":[39,68,128],"collect":[40],"data":[41],"questionnaires":[43],"comprised":[44],"of":[45,56,80,108,117,152],"scales":[46],"adapted":[47],"from":[48],"prior":[49],"studies.":[50],"With":[51],"usable":[53],"sample":[54],"size":[55],"340":[57],"respondents,":[58],"this":[59],"employs":[61],"partial":[62],"least":[63],"squares":[64],"structural":[65],"equation":[66],"modeling":[67],"assess":[69],"model.":[71],"Findings":[72],"revealed":[75],"significant":[77],"indirect":[78,139],"role":[79,107],"intention":[82],"on":[83,91,100,111],"use":[87,92,98,120,155],"behavior,":[88],"intentions":[90,110,143],"literacy.":[105,159],"serial":[115,150],"mediation":[116,151],"also":[126],"found":[127],"be":[129],"significant.":[130],"Originality/value":[131],"This":[132],"study's":[133],"novelty":[134],"resides":[135],"examining":[137],"relationship":[140],"between":[141],"inclusion,":[146],"specifically":[147],"via":[148]},"counts_by_year":[{"year":2025,"cited_by_count":4},{"year":2024,"cited_by_count":1}],"updated_date":"2025-11-06T03:46:38.306776","created_date":"2025-10-10T00:00:00"}