International Journal on Science and Technology

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Call for Paper Volume 17 Issue 3 July-September 2026 Submit your research before last 3 days of September to publish your research paper in the issue of July-September.
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Volume 17 Issue 3
July-September 2026

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Behavioral Determinants of Digital Finance Adoption and Financial Literacy Among Digital Nomads in the Gig Economy

Author(s) Mr. Raghuveer P, Dr. Hema Patil
Country India
Abstract The quick development of the gig economy and the appearance of numerical nomadism have significantly increased reliance on alphanumeric monetary services. Despite enhanced accessibility through FinTech innovations, the adoption and effective utilization of digital finance remain uneven, revealing a critical gap between access and actual usage. The objective of this research paper is to investigate the behavioral factors affecting the adoption of digital finance and monetary literacy among digital nomads. By adopting a narrative review methodology, the paper synthesizes insights from behavioral finance, technology adoption and monetarist enclosure. The results indicate that cognitive biases (e.g. overconfidence, loss aversion, risk perception) as well as trust and perceived safety have a substantial effect on investment decisions. Digital financial tools have evolved into a fundamental part of our everyday life through the advancements of technology. Financial literacy is a fundamental mediator of use of digital financial tools. Problems associated with technology acceptance such as perceived usefulness and ease of use play a central role in adoption behaviour. According to the study, just having access to technology does not guarantee financial inclusion, and this stresses the need for behavioral interventions and financial literacy to improve usage.
Keywords Behavioral finance, digital finance adoption, financial literacy, gig economy, digital nomads, fintech, financial inclusion
Field Business Administration
Published In Volume 17, Issue 3, July-September 2026
Published On 2026-07-31
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Crossref DOI prefix of IJSAT is 10.71097/IJSAT

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