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Unraveling the dynamics of digital financial services adoption and digital divide: A systematic literature review and future research agenda

Shabir Hussain et al.

Journal of Global Information Technology Management2025https://doi.org/10.1080/1097198x.2025.2480970article
AJG 2ABDC B
Weight
0.44

Abstract

The rapid proliferation of digital financial services (DFSs) has the potential to promote financial inclusion (FI), as well as socioeconomic and human development. However, the digital divide (DD) poses a significant barrier to the equitable adoption and use of DFSs. This systematic literature review (SLR) aimed to comprehensively analyze the current state of research on DFS adoption in the context of DD. Employing the “Scientific Procedures and Rationales for Systematic Literature Reviews” (SPAR-4-SLR) protocol in combination with the theories, contexts, and methods (TCM) and antecedents, decisions, and outcomes (ADO) frameworks, this study identified prominent contributors, trends, key factors, and research gaps in the literature. The review revealed that personal, psychological, motivational, technological, socio-cultural, and socio-demographic factors influence DFS adoption across the three levels of DD: digital access, capability, and innovativeness divides. This study proposes a conceptual model integrating these factors and highlights the need for future research to develop standardized measurement scales, conduct multi-country studies, and investigate the impact of DFSs on various developmental outcomes. The findings provide valuable insights for policymakers, practitioners, and researchers in the field of information technology for development, emphasizing the importance of addressing DD to promote inclusive growth and socioeconomic progress of humans through DFSs.

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https://doi.org/https://doi.org/10.1080/1097198x.2025.2480970

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@article{shabir2025,
  title        = {{Unraveling the dynamics of digital financial services adoption and digital divide: A systematic literature review and future research agenda}},
  author       = {Shabir Hussain et al.},
  journal      = {Journal of Global Information Technology Management},
  year         = {2025},
  doi          = {https://doi.org/https://doi.org/10.1080/1097198x.2025.2480970},
}

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Unraveling the dynamics of digital financial services adoption and digital divide: A systematic literature review and future research agenda

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Evidence weight

0.44

Balanced mode · F 0.40 / M 0.15 / V 0.05 / R 0.40

F · citation impact0.32 × 0.4 = 0.13
M · momentum0.57 × 0.15 = 0.09
V · venue signal0.50 × 0.05 = 0.03
R · text relevance †0.50 × 0.4 = 0.20

† Text relevance is estimated at 0.50 on the detail page — for your query’s actual relevance score, open this paper from a search result.