Assistant Professor, Sathyabama Institute of Science and Technology , Chennai, Tamil Nadu , India
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Research Fellow, Sathyabama Institute of Science and Technology , Chennai, Tamil Nadu , India
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Research Fellow, Sathyabama Institute of Science and Technology , Chennai, Tamil Nadu , India
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Research Fellow, Sathyabama Institute of Science and Technology , Chennai, Tamil Nadu , India
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Research Fellow, Sathyabama Institute of Science and Technology , Chennai, Tamil Nadu , India
Research Fellow, Sathyabama Institute of Science and Technology , Chennai, Tamil Nadu , India
Based on an analysis of the mediating impact of digital literacy, platform accessibility, and digital ecosystem trust, this paper examines the impact of quick commerce (q-commerce) on financial inclusion in urban India. Reliability analysis, correlation analysis, multiple regression analysis, and parallel mediation analysis were used using survey data of 180 active users of q-commerce. The findings show that the total effect of the q-commerce use on financial inclusion is significant and positive (c = 0.910, p < .001). The direct effect was also found to be significant (c' = 0.231, p =.013) in situations where the mediators were included, and this means that there is partial mediation. The most important pathway between the mediators was the availability of platforms (indirect = 0.352, 95% CI 0.111 0.557), although the digital literacy and trust had no significant indirect effects. The impact of all the indirect effects was high (0.680, 95% C.I. 0. 430 -0.906), indicating the combined effect of the mediating variables. These results imply that usability and convenience in the interaction with the platform, and not necessarily digital capability or trust, are the drivers of the benefits of financial inclusion of q-commerce. The paper highlights the importance of platform design with ease of use and intuitiveness to provide equal opportunity to digital access and to reduce the digital divide, which is emerging in the quickly expanding e-commerce sector.
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