More Than Skills: How Digital Competence and Partner Attitudes Shape Financial Resilience in Couples
subject: Actor-Partner Interdependence Model; Digital Competence; Dual-Income Couples; Dyadic Analysis; Financial Behavior; Financial Resilience; FinTech Attitude; Household Finance
description: In the rapidly digitizing financial landscape, the ability to effectively use digital tools has become essential for financial well-being. This study examines the impact of digital competence on financial resilience within dual-income married couples, adopting a dyadic perspective. Drawing on the Actor-Partner Interdependence Moderation Model(APIMoM), it studies both actor and partner effects of digital competence. As well as the moderating role of each partners attitude toward FinTech. Data was collected from 107 (214 individuals) working couples in Gurgaon, India. Covariance-Based Structural Equation Modeling using SmartPLS revealed that digital competence significantly influences both individuals and their partners financial resilience. Moreover, attitudes toward FinTech were found to moderate these relationships, strengthening the positive effects of digital competence. Notably, the husbands attitude had a stronger moderating impact on the wifes resilience than vice versa, indicating potential gender-based dynamics. The study marks the importance of addressing both digital skills and relational attributes in aiding household financial resilience. Practical implications suggest that digital literacy programs should consider couple-based interventions that target both digital competence and attitude change. The Author(s), under exclusive license to Springer Nature Switzerland AG 2026.
creator: Saini, Anchal; Kulshrestha, Nitin
source: Lecture Notes in Networks and Systems;Volume;1650 LNNS;pp.448-456
publisher: Springer Science and Business Media Deutschland GmbH
date: 01-01-2026
rights: Restricted Access; Hardcopy may be available in the library
relation: ISSN: 23673370; ISBN: 978-303206676-3;
language: English
type: Conference paper
coverage: Saini A., CHRIST (Deemed to Be University), Bengaluru, India; Kulshrestha N., CHRIST (Deemed to Be University), Bengaluru, India