Digital financial literacy and sustainable financial inclusion in metaverse ecosystems: the mediating roles of readiness and trust

Le résumé fourni par la source

Purpose This study aims to examine how digital financial literacy (DFL) contributes to metaverse-facilitated sustainable financial inclusion among salaried employees in the Delhi NCR region. It highlights the growing relevance of immersive, decentralised financial systems and the need for user preparedness to navigate them effectively. Design/methodology/approach A structured questionnaire covering digital banking acumen, cybersecurity awareness, blockchain understanding and the ability to operate virtual financial platforms was administered to 400 respondents. Partial least squares structural equation modelling (PLS-SEM) was used to analyse the relationships between DFL and readiness, trust and usage of metaverse-based financial services. Findings Higher levels of DFL significantly increase users’ readiness, trust and utilisation of metaverse-enabled financial services. However, security concerns, perceived complexity and insufficient technological infrastructure moderate these effects, limiting adoption despite adequate literacy levels. Practical implications The findings provide actionable insights for policymakers, financial institutions and technology providers seeking to promote equitable access to metaverse-based financial systems. Tailored literacy initiatives and infrastructural support can enhance user confidence and accelerate adoption. Originality/value This research extends the nascent literature on metaverse-finance by offering empirical evidence from an emerging economy context. It underscores the pivotal role of DFL in ensuring sustainable and inclusive financial development in virtual environments.

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