Journal of Logistics, Informatics and Service Science | 2026
Authors: Trinh N.H.; Tran H.H.
DOI: 10.33168/JLISS.2026.0513
Journal: Journal of Logistics, Informatics and Service Science
Year: 2026
Publisher: Success Culture Press
Document Type: Article
Open Access: All Open Access; Gold Open Access
Cited by: 0
This study investigates the moderating role of digital literacy in the relationships between technological characteristics, perceived value, and the intention to use mobile banking services within the Vietnamese emerging market. The research extends Innovation Diffusion Theory by integrating it with the Value-based Adoption Model, positioning digital literacy as a critical capability-based moderator. A quantitative research design was utilized, analyzing survey data from 240 mobile banking users in Vietnam. Data were processed using structural equation modeling to evaluate path significance and moderation effects. The empirical results support all hypothesized relationships except for the moderating effect of digital literacy on the path between compatibility and perceived value. The integrated model accounts for 50.4% of the variance in usage intention, demonstrating moderate explanatory power and confirming perceived value as the central driver of adoption. This study contributes to the informatics-service system literature by demonstrating that digital literacy functions as an amplifier of systemic affordances. It highlights that a user’s cognitive capability can fundamentally reshape how technological features are translated into net value and behavioral intent, providing a nuanced perspective on technology adoption in transitioning economies. © 2026, Success Culture Press. All rights reserved.
Digital literacy; Mobile banking; Perceived value; Technological attributes; Usage intention