Sulaman Hafeez Siddiqui|Muhammad Shahbaz Khan
SMEs Intention towards Use and Adoption of Digital Financial Services
Islamia University of Bahawalpur|Islamia University of Bahawalpur
purpose study analyses smes owners managers intention towards use adoption digital financial services south punjab pakistsan smes considered key contributors economic activity keysource employment growth invention smes perform significant role system national financial regulation world jobs creation contributing modernization financial regulation significant exertions achieve ecological sustainability growth access finance access finance emerging countries one core issue development sme sector well obstacle economic growth microfinance institutions considered good manifesto enhance access inclusive finance well stressfree access finance financial literacy smes support economic growth pakistan obtain finances easy smes sectors smes unfortunately still struggling due lack inclusive finance financial literacy recently financial institution introduced digital financial services micro level provide access financial services every citizen country without restriction accomplish purpose research data acquired smes owners mangers sample 232 chosen randomly south punjab pakistan research study merged two best theories theory planned behavior technology acceptance model used describe behavior multiple statistical tests run check normality using shapirowilk test reliability multicollinearity data test assumptions regression correlation finally results intended study revealed moderate significant positive relationship smes owners managers intention towards use adoption digital financial services government pakistan create finance related awareness program training technical institution make rules regulation study suggests researchers focus internal well external factors smes pakistan