The Impact of Digital Wallets on Consumers’ Financial Inclusion

Category

Business, Economics and Law

Description of research project

You are invited to participate in a research study examining whether digital wallets (e.g. Apple Pay, Google Pay) influence financial inclusion (accessibility and usability of financial services) for consumers. You do not need to have used a digital wallet to complete the survey; we'll ask questions about your perspectives on digital wallets. Digital wallets are becoming more widespread and are said to help increase financial inclusion. In this research, we investigate whether digital wallets can improve access to and utilisation of financial services.

This study is being conducted by Tuan Derwyn Hamidon as part of his PhD in Finance at the Auckland University of Technology (AUT), New Zealand. Other members of the research team include Prof. Aaron Gilbert (AUT) and Dr. Ayesha Scott (Griffith University, Australia).

We’re inviting people aged 18 years and over living in New Zealand or Sri Lanka to take part. Your participation is voluntary (it is your choice), and you can exit the survey at any time. Only completed responses will be included in the study. The survey takes around 15 minutes to complete, and you can only take it once. No identifying information is collected; your responses will be anonymous.

Any information you provide will be stored securely, following the research project’s Data Management Plan. This research has been approved by the AUT Ethics Committee, Reference 25/322.

After completing the survey, you can choose to enter a random prize draw for one of five NZ$50 (if you live in New Zealand) or LKR7,500 (if you live in Sri Lanka) gift cards. To enter the draw, at the end of the survey, you can click a link to a new survey, which is not connected to the first survey, where you can enter your contact details. By taking part in the survey and submitting your answers, you consent to have your responses used in this research. Once the survey is completed, it may not be possible to remove your data.

Take the survey now

Inclusion and/or exclusion criteria

Participants will be selected based on the following criteria:

a. Country of residence – participants must reside either in New Zealand or Sri Lanka
b. Age – To participate in the study, the individual must be aged 18 years or older. Generally, individuals must be at least 18 years old to make independent financial decisions without parental guidance and consent. Therefore, we restrict our sample to participants who are 18 or older. Therefore, the target audience will be carefully selected to ensure representation across various age groups.
c. Informed consent – must be willing and able to provide informed consent to participate in this study.

Statement of ethics approval

Approved by the Auckland University of Technology Ethics Committee on 2025-10-22 for 3 years.

AUTEC approval number

25/322

Contact person

Tuan Derwyn Hamidon, derwyn.hamidon@aut.ac.nz

Participant information sheet