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Recognizing the importance of Robo-advisors in digital financial services, this paper aims to analyse the users’ perception and acceptability of artificial intelligence (AI) in digital investment solutions using an extended “Technology Acceptance Model” (TAM).

The model is tested using 454 online valid responses received from Indian Fintech users via direct path analysis, mediation and moderation.

The study’s findings show that trust, perceived usefulness and perceived risk all significantly impact users’ attitudes towards Robo-advisors. In contrast, ease of use and social influence did not impact users’ attitudes statistically. Furthermore, the results indicate that their attitudes and ease of use influence users’ intentions to adopt Robo-advisors. Moreover, the moderation effect of gender partly supports the overall model. Specifically, in the path between attitudes and their antecedents, gender plays a role in influencing the relationships among these variables. This aligns with preliminary research in the field, providing additional insight into how gender may moderate the factors influencing users’ attitudes and intentions regarding Robo-advisory services.

This research study also reveals that trust, perceived risk, ease of use and demographic factors influence the adoption of Robo-advisory services. It is functional, but its sample selection is not probabilistic and overly emphasizes gender. Future research should use probabilistic sampling, other demographic factors and experience and situational factors. Also, it is necessary to examine how convenient and satisfying it is to communicate with service providers. Filling these gaps will improve the knowledge of consumer behaviour in the context of Fintech adoption and develop the current research.

This study posits that perceived usefulness, trust, perceived risk and ease of use remain core determinants of adopting Robo-advisory services. So, to improve the level of trust of users, it is necessary to develop security measures, data clarity and quality and customer support. Enhancing ease of use by incorporating better interface gestures is always beneficial for increasing the number of users and their level of satisfaction. As identified in previous studies, practical solutions will be achieved by pursuing the increased use of technology while leveraging AI for personal services and minimizing perceived risks, which will strengthen more advanced security measures as well as sufficiently clear communication.

The paper aims to extend the TAM by incorporating measures of trust and social influence to identify the factors that drive the adoption of Robo-advisors. In doing so, the paper may contribute to developing a more comprehensive understanding of the factors that shape consumers’ attitudes and intentions towards these technologies. Moreover, the paper appears to examine the moderating effect of gender on attitude and its predictors, which could provide insights into how gender characteristics may impact the adoption of Robo-advisors.

The purpose of this study is to identify and assess the role of predictors to women’s economic empowerment (WEE). Moreover, the mediating role of digital banking usage (DBU) between financial literacy (FL) and WEE is empirically tested. The study also examines the moderation effect of educational level (EL) and employment sector (ES) on WEE.

Using a mixed-method approach, a comprehensive questionnaire was used to collect data of 482 women working in the formal ESs of Delhi-NCR. Partial least square structural equation modeling using SmartPLS-4 was used to test the explanatory and predictive power of the proposed model. This was followed by semi-structured interviews to collect qualitative data from 14 respondents.

The results present the following important findings: first, DBU, FL, women’s agency (WA) and workplace human resource policies (HR) significantly impact WEE, whereas government support (GS) and FL significantly impact DBU; second, DBU significantly mediates the relationship between FL and WEE; and third, ES significantly moderates the relationship between DBU and WEE.

This research also shares significant findings for practitioners and organizations by holistically identifying factors affecting WEE. These findings apply to both the human resource department of the employment sectors and the management of the banking sector.

The present study adds value to the scarce literature on the impact of DBU on WEE and highlights the mediating role of DBU along with the moderation effect of EL and ES. The study model incorporates novel constructs that impact WEE and offers new insights to various stakeholders in enhancing WEE. In addition, qualitative method was used to complement the quantitative findings.

E-commerce expands product and service reach, emphasizing the need for strategic market approaches to enhance e-service quality and drive sales growth. This paper aims to assess the relationship between the perceived quality of e-commerce platforms (characterized by measures of order and return convenience), customer satisfaction with online shopping and repurchase intention from online stores as well as examine whether demographic variables such as age, gender and area of residency (urban/rural) influence the ratings of each of these variables.

An online, self-administered survey gathered 108 valid responses from e-commerce customers. Data were analyzed in Statistical Package for the Social Sciences (SPSS) and Analysis of Moment Structures (AMOS) through principal component analysis, confirmatory factor analysis and structural equation modeling (SEM) as well as correlation, descriptive statistics, difference of means tests and nonlinear regression.

Online shopping on e-commerce platforms is seen as convenient for both placing orders and managing returns. Additionally, consumers express satisfaction with their online shopping experiences and exhibit a strong intention to repurchase. The analysis revealed linear relationships between order convenience and customer satisfaction, between order convenience and repurchase intention and nonlinear relationships between return convenience, customer satisfaction and repurchase intention. No significant difference was found between the way the demographic variables rated the convenience, satisfaction and repurchase intention constructs.

This study contributes to the empirical literature on service quality in e-commerce by providing a streamlined model of the interactions among the factors as well as by isolating the nonlinear relationships and comparing results across three demographic variables. From a managerial standpoint, the findings suggest that strategies aimed at providing complete qualitative information and enhancing order and return convenience improve customer satisfaction and foster repurchase intention.