Subjective Financial Well-Being and Trust in Providers of Mobile Financial Services

Authors

  • Jessie Pallud Ecole de Management de Strasbourg (HuManiS, UR 7308) - Université de Strasbourg
  • Maxime Merli EM Strasbourg Business School
  • Aymen Ammari INSEEC

Abstract

Trust is a key driver of the adoption of mobile financial services. Despite the wealth of research on adoption of mobile financial services, the role played by financial variables remains poorly known. Therefore, this research relies on subjective financial well-being (comprising money management stress, financial anxiety, and financial literacy) and two IS variables (personal innovativeness with information technology and structural assurance) to gain an understanding of the profiles of users who are likely to trust new actors providing mobile financial services. Questionnaires (n = 1,075) completed by a panel of French individuals in charge of financial decisions in their households were analyzed. Adopting fuzzy-set qualitative comparative analysis (fsQCA), the results reveal four configurations, composed of both financial and technological variables. These results question the ability of these new actors to improve the quality of financial decisions for the greatest number of individuals.  

Author Biographies

Jessie Pallud, Ecole de Management de Strasbourg (HuManiS, UR 7308) - Université de Strasbourg

Jessie PALLUD is a Full Professor of management of information systems at EM Strasbourg Business School, University of Strasbourg. Her research focuses on the adoption of information technologies, examining new work practices linked to these technologies. She also studies more critical aspects of technology use, with topics such as the consequences of the digitalization of the individual and the dark side of technology. She has published in the following academic journals: European Journal of Information Systems, Journal of Management Information Systems, Information Systems Journal,  Information and Management, as well as in the proceedings of major international conferences such as ICIS, AMCIS and ECIS.

Maxime Merli, EM Strasbourg Business School

Maxime MERLI is a Full Professor of Finance at EM Strasbourg Business School, University of Strasbourg. A part of his research focuses on the behavior of individual investors and households in relation to new financial actors, such as green banks and pure players. Since 2022, he has led the “Finance and Environmental Issues” Chair, supported by CIC Marchés. He has published in journals such as, Journal of Banking and Finance, Journal of Economic Behavior and Organization, Journal of Quantitative Finance and Accounting, European Journal of Finance, Kyklos, Journal of Economic History, and Business History.

Aymen Ammari, INSEEC

Associate Professor of Finance at INSEEC Grande École (Bordeaux, France), Aymen AMMARI holds a Ph.D. in Finance from the University of Manouba, Tunisia. His research focuses on corporate finance, corporate governance, corporate social responsibility (CSR), and behavioral finance. He has extensive teaching experience in corporate finance, financial analysis, and risk management, having taught at institutions such as EM Strasbourg Business School, APBS Business School, and the University of Jendouba. He has also served as an econometrician and consultant for projects with organizations like the United Nations Development Programme (UNDP). His work has been published in leading academic journals, including Journal of Business Research, Technological Forecasting & Social Change, International Journal of Finance & Economics, and Finance Research Letters. His research explores ESG performance, financial risk, governance structures, and the impact of geopolitical and economic uncertainty on financial markets.

Published

2025-03-01

How to Cite

Pallud, J., Merli, M., & Ammari, A. (2025). Subjective Financial Well-Being and Trust in Providers of Mobile Financial Services. Systèmes d’Information Et Management (French Journal of Management Information Systems), 30(1), 55–86. Retrieved from https://revuesim.org/index.php/sim/article/view/1358

Issue

Vol. 30 No. 1 (2025): Digital Finance

Section

Empirical Research Article

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