Digital Literacy In Electronic Banking: A Key To Employee Well-Being

La Littératie Numérique dans la Banque Électronique: Un Levier Essentiel du Bien-Être des Employés

Jalal Moustakim () and Mohammed Baaddi
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Jalal Moustakim: FSJES - Faculty of Legal, Economic, and Social Sciences of Fes, USMBA - Université Sidi Mohamed Ben Abdellah [Fès]
Mohammed Baaddi: USMBA - Université Sidi Mohamed Ben Abdellah [Fès], FSJES - Faculty of Legal, Economic, and Social Sciences of Fes

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Abstract: This study assesses the impact of digital literacy on employee well-being in the banking sector. Introducing the Digital Literacy Empowerment and Well-being Model (DLEW Model), with psychological empowerment and self-efficacy as mediating variables, and technostress and organizational support as moderators. This study synthesizes existing literature in digital literacy and employee well-being. Theories like Technology Acceptance Model (TAM), Social Cognitive Theory (SCT), and the Job Characteristics Model (JCM) are used. The DLEW Model is used to explain and facilitate the proposed relationships between variables. This model shows that digital literacy enhances employee well-being through a solid psychological empowerment and self-efficacy. Technostress, the stress people feel when using or adopting with new tech, is proposed as moderator variable, to moderate the relationship between digital literacy and psychological empowerment. A factor that might weaken the positive push that digital literacy gives to psychological empowerment. On the other hand, if employees feel the presence of their organizational support, it can be stronger the link between digital literacy and self-efficacy. So, in short, less stress and more support means better digital skill and well-being. Since The DLEW Model is still theoretical, it's important for future research to put it to the test in different types of organizations and industries. We need to know the validity of these propositions and its applicability across various workplace situations. Unlike existing literature, the study makes a unique contribution by proposing a comprehensive theoretical framework, the DLEW Model shows the crucial role of digital literacy in shaping employee well-being and performance. It provides groundwork for future empirical studies.

Keywords: Digital Literacy; Electronic banking; Psychological Empowerment; Self-Efficacy; Employee Well-being; Technostress; Motivation (search for similar items in EconPapers)
Date: 2025-05-20
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Note: View the original document on HAL open archive server: https://hal.science/hal-05078258v1
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Published in International Journal of Accounting, Finance, Auditing, Management and Economics, 2025, 6 (5), pp.711-723. ⟨10.5281/zenodo.15381283⟩

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Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-05078258

DOI: 10.5281/zenodo.15381283

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