From Pleasure to Purchase: Impulse Buying and Financial Capability in Mobile Wallet Usage

Giuseppe Granata and Giancarlo Scozzese

International Business Research, 2025, vol. 18, issue 6, 1

Abstract: This study examines how perceived enjoyment influences impulsive buying in the context of mobile wallet usage, extending the Stimulus–Organism–Response (S–O–R) framework by introducing financial capability as a moderating construct. Survey data from 215 Generation Y consumers in a European digital market were analyzed using Partial Least Squares Structural Equation Modelling (PLS-SEM). The results show that perceived enjoyment significantly mediates the effects of interactivity, visual appeal, transaction convenience, and subjective norms on impulsive buying behavior. Among these antecedents, transaction convenience and visual appeal emerged as the strongest predictors of enjoyment. Moreover, financial capability strengthens the enjoyment–impulse link, suggesting that consumers with higher financial literacy and confidence are more likely to translate digital pleasure into spontaneous purchases. By integrating hedonic and financial factors, this research contributes to digital consumer behavior theory by clarifying the emotional mechanisms that drive impulse buying in fintech environments. The study also provides actionable insights for fintech providers and marketers seeking to balance engaging design with responsible financial behavior.

Date: 2025
References: Add references at CitEc
Citations:

Downloads: (external link)
https://ccsenet.org/journal/index.php/ibr/article/download/0/0/52451/57124 (application/pdf)
https://ccsenet.org/journal/index.php/ibr/article/view/0/52451 (text/html)

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:ibn:ibrjnl:v:18:y:2025:i:6:p:1

Access Statistics for this article

More articles in International Business Research from Canadian Center of Science and Education Contact information at EDIRC.
Bibliographic data for series maintained by Canadian Center of Science and Education ().