The Use of Digital Financial Services and Business Performance Satisfaction in the Context of Female Entrepreneurship

Fernanda Francielle de Oliveira Malaquias; Rodrigo Fernandes Malaquias

doi:10.4067/S0718-27242022000300003

Authors

Fernanda Francielle de Oliveira Malaquias Federal University of Uberlândia, Brazil
Rodrigo Fernandes Malaquias Federal University of Uberlândia, Brazil. http://orcid.org/0000-0002-7126-1051

DOI:

https://doi.org/10.4067/S0718-27242022000300003

Keywords:

E-payment, Performance, Mompreneurs, Emerging Economies

Abstract

The use of electronic resources to conduct payments in increasing. This scenario indicates the relevance of new studies to understand the determinants and the potential effects of Digital Financial Services (DFS) adoption. In this paper, we test the effect of DFS adoption on the satisfaction with business performance, considering a sample comprised of responses from entrepreneurs that are also mothers (mompreneurs). The database includes 177 questionnaires that presented complete responses for the items analyzed in this paper; these questionnaires were collected during the period from April, 2020 to June, 2020 (which involves the COVID-19 related crisis). Using confirmatory factor analysis and structural equation model, the main results suggest that attitude towards Information and Communication Technologies has a positive effect on DFS adoption. Moreover, the use of DFS presented a positive effect on the satisfaction with business performance, which means that the use of technologies to make electronic payments, to manage business bank account, and to provide electronic payment alternative for customers can improve the business performance satisfaction of women entrepreneurs.

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Author Biographies

Fernanda Francielle de Oliveira Malaquias, Federal University of Uberlândia, Brazil

Fernanda Francielle de Oliveira Malaquias is a Full Time Professor at Universidade Federal de Uberlândia, Brazil. In 2012, she received her PhD in Electrical Engineering from Universidade Federal de Uberlândia. She also holds a MS degree in Computer Science. In 2015, she was a Visiting Research Scholar at DePaul University in Chicago, USA. She has published articles in referred journals including Computers in Human Behavior, Electronic Commerce Research and Applications, Information Technology for Development, Technology and Disability, Information Development, Online Information Review, Journal of Global Information Management, Energy Research & Social Science, and Simulation Modelling Practice and Theory.

Rodrigo Fernandes Malaquias, Federal University of Uberlândia, Brazil.

Rodrigo Fernandes Malaquias* is an Associate Professor at Universidade Federal de Uberlândia, Brazil. In 2012, he received his PhD in Business Administration from FGV-EAESP, Brazil. In 2015, he was a Visiting Research Scholar at DePaul University in Chicago, USA. His research includes finance, accounting, mobile banking, e-commerce, and cross-country studies. His papers have been published or accepted for publication by peer-reviewed journals, including International Journal of Information Management, Computers in Human Behavior, Journal of Electronic Commerce Research, Electronic Commerce Research and Applications, Information Development, Information Technology for Development, Journal of Global Information Management, Accounting Research Journal, Journal of Economic Studies, Research in International Business and Finance, Global Business Review, Latin American Business Review, Accounting & Finance Review (USP), Technology and Disability, Brazilian Review of Finance, Brazilian Business Review, Journal of Operations and Supply Chain Management, among others.