This study aims at investigating the determinants of digital banking adoption in the Kingdom of Saudi Arabia using the Technology Acceptance Model (TAM). The study is based on data from the 2017 Global Financial Inclusion Survey covering 1009 respondents, which has been analysed using simple...

Lenders can exploit households' payment data to infer their creditworthiness. When households value privacy, they then face a tradeoff between protecting such privacy and credit conditions. We study how the introduction of an informationally more intrusive digital payment vehicle affects...