Published Paper Details:

Digital-financial education is a very important part of the modern finance and economy. It is a very essential part for success of digital financial inclusion via extensive use of e payment platforms. In the times of e-commerce, it is difficult to imagine the economy without e payment platforms. They are used in online shopping, money transfer, vendor payment as well as for investments. Purpose: The paper deals with the impact of digital-financial literacy on the factors that are responsible for adoption and usage of e payment platforms(derived from TAM and its extension). Methodology: The research was done on a sample size of 125 students in order to understand how digital financial literacy impacts Perceived Risk, Perceived usefulness, Perceived ease of use, Trust, Attitude and Behavioral intention towards usage of e payment platforms. Correlation and Regression was used to understand the relationship between the variable. Findings: The impact of Digital financial literacy on Trust on e-payment platforms was found to be positively significant.It also has a significant impact on Behavioral intention to use e-payment platforms and Attitude towards e payment platforms ( R2 values of .416,.650 and .606 respectively) while its impact on Perceived Risk was not found significant.Perceived usefulness and perceived ease to use the e payment platform also had positive correlations with Digital financial literacy. Originality:The use of digital tools for financial services has achieved popularity in the recent times.It becomes important to understand how the digital financial literacy is impacting the usage of digital financial tools. The paper helps to understand how digital-financial literacy impacts the factors that are responsible for adoption and usage of e payment platforms.This paper will help not only help to understand these relations but also open ways for open ended studies of such relations.