A digital payment generalisation model: a meta-analytic structural equation modelling (MASEM) research

Catarina Neves, Tiago Oliveira, Fernando de Oliveira Santini, Wagner Junior Ladeira

Research output: Contribution to journalArticlepeer-review

1 Citation (Scopus)


Consumers have used digital payments widely in recent years, and the COVID-19 pandemic accelerated this process. Similarly, academic interest in this topic has followed this trend. Various primary research studies have been published, and defragmentation and conflicting findings were found. Meta-analytic studies are essential for organising the relationships tested and pacifying inconsistent results. Thus, we propose meta-analytic structural equation modelling research from 70 independent studies that acceded 286 effect sizes from more than 30 countries. Testing an integrated model with the main antecedents of digital payment intention to use was possible. We also evaluated indirect and moderator effects. We found that consumers’ trust is the most influential construct in consumer attitudes. Furthermore, we detected the partial mediation effect of attitude on the relationships between social norms, trust, perceived ease of use, and perceived usefulness on digital payment intention to use. Finally, we identified significant moderation effects of the human development countries index and gender on the relationships proposed.
Original languageEnglish
Pages (from-to)1-30
Number of pages30
JournalElectronic Commerce Research
Publication statusE-pub ahead of print - 19 Jan 2024


  • Digital payment
  • Intention to use
  • Meta-analytic structural equation modelling


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