Dublin Core The Dublin Core metadata element set is common to all Omeka records, including items, files, and collections. For more information see, http://dublincore.org/documents/dces/. Title A name given to the resource Faculty Publications Article Faculty Publications -Articles Dublin Core The Dublin Core metadata element set is common to all Omeka records, including items, files, and collections. For more information see, http://dublincore.org/documents/dces/. Creator An entity primarily responsible for making the resource Prabhakaran, Shamli; Mynavathi, L. Title A name given to the resource Does Fintech Usage Improve or Impair Financial Behavior? Evidence from Indian millennials Date A point or period of time associated with an event in the lifecycle of the resource 01-01-2025 Source A related resource from which the described resource is derived International Journal of Electronic Commerce Studies;Volume;16;Issue;4;pp.1-26 Identifier An unambiguous reference to the resource within a given context <a href="https://doi.org/10.7903/ijecs.2529" target="_blank" rel="noreferrer noopener">https://doi.org/10.7903/ijecs.2529</a> <br /><br /><a href="https://www.scopus.com/pages/publications/105027252159?origin=resultslist" target="_blank" rel="noreferrer noopener">https://www.scopus.com/pages/publications/105027252159?origin=resultslist</a> Coverage The spatial or temporal topic of the resource, the spatial applicability of the resource, or the jurisdiction under which the resource is relevant Prabhakaran S., CHRIST (Deemed to be University, India; Mynavathi L., CHRIST (Deemed to be University, India Description An account of the resource The fintech revolution has transformed the landscape of personal finance, but its impact on individual financial behavior remains underexplored. Addressing this gap, the present study examines how fintech usage interacts with financial literacy to shape financial behavior among Indian millennials. Using a proprietary dataset, the study employs PLS-SEM to assess the moderating role of fintech usage in the relationship between financial literacy and financial behavior, considering both objective and subjective dimensions of financial literacy. The findings indicate that while financial literacy positively influences financial behavior, using fintech weakens this association. This negative influence is especially evident among users who overestimate their financial competence. The direct impact of fintech usage on financial behavior is also negative, showcasing the need for fintech services that complement users' financial literacy and promote financially healthy behaviors. These findings shed light on the darker side of fintech adoption and have significant implications for policymakers, fintech service providers, and consumers, emphasizing the need for tailored financial literacy programs that promote responsible fintech usage and encourage financial discipline. 2025 Academy of Taiwan Information Systems Research. All rights reserved. Subject The topic of the resource financial behavior; Financial literacy; fintech usage; objective financial literacy; subjective financial literacy Publisher An entity responsible for making the resource available Academy of Taiwan Information Systems Research Relation A related resource ISSN: 20739729; Language A language of the resource English Type The nature or genre of the resource Article Rights Information about rights held in and over the resource All Open Access; Gold Open Access Format The file format, physical medium, or dimensions of the resource online