Published Paper Details:

This research explores consumers' understanding and usage of sustainable digital financial services in Karnataka, India, and quantifies implications in financial literacy, environmental engagement, and usability. The study utilized a mixed-method structure with quantitative measurement, accompanied by a qualitative survey, and mathematical computation through the application of statistical analysis (T-test, Chi-square, ANOVA, and Pearson correlation). The sample included 351 respondents who were data collectors and the data came in the form of analysis.... In all, the research determined that there was regional variation in adoption, with city residents adopting more digital finance products than non-urban and rural residents, which might be because of better infrastructure and availability of digital literacy for non-urban residents. The study showed that the impacts of participants' education and age had little influence on perceived ease of use and effectiveness of sustainable digital finance services. Some reported being familiar with benefits in financial or environmental activities but did not know or were opposed to performing those behaviors on a daily.... Finally, one of the most important factors in meeting with success in developing sustainable digital finance services will be to develop targeted and complementary digital literacy services that consider how simple the sustainable digital finance service is to use.