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Examining the Relationship between National Cybersecurity Commitment, Culture, and Digital Payment Usage: An Institutional Trust Theory Perspective

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Abstract

Cyberattacks can be considered one of the fundamental challenges that paralyze the progress of digital payment usage (DPU) progress among citizens, as consumers shun away from using digital banking services due to increased concern over information security. National Cybersecurity Commitment (NCSC) has emerged as a preventive cybersecurity mechanism for countries to tackle such cybersecurity threats. Previous studies have shown that a country's NCSC positively impacts the business and economy of the country. This study examines the effect of NCSC on digital payment usage (DPU) across nations by grounding our discussion on the institutional trust theory. As trusting belief in security measures is a culturally embedded characteristic, we also examine the moderating role of national culture through Hofstede’s cultural dimensions. We use multilevel models to analyze publicly available archives of repeated cross-sectional data covering 76 countries to test the proposed relationships. Our findings indicate that NCSC has a positive influence on DPU. Further, our results highlight that the relationship between NCSC and DPU in a country is contingent on cultural dimensions. Overall, the evidence suggests that a competent cybersecurity environment compatible with cultural values can influence the speedy diffusion of digital payments in a country. Implications of our findings for research and practice are also discussed.

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Notes

  1. We explain various theoretical lenses in this section and next section. We thank Reviewer#1 for this thought.

  2. We thank Reviewers #1 & #2 for this suggestion.

  3. We thank Reviewer #1 for this suggestion.

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  1. Information Systems Area, Indian Institute of Management Kozhikode, Kozhikode, Kerala, India

    Ben Krishna, Satish Krishnan & M. P. Sebastian

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  1. Ben Krishna
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Appendix

Appendix

Table 7

Table 7 Three-level model (Regional analysis)
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Table 8

Table 8 National cybersecurity commitment pillars and its impact on digital payment usage
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Table 9

Table 9 Cybersecurity sub-indices and their definition
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Table 10

Table 10 List of countries
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Table 11

Table 11 Robust analysis
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Table 12

Table 12 Definitions of institutional trust (adopted from Smith (2010))
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Krishna, B., Krishnan, S. & Sebastian, M.P. Examining the Relationship between National Cybersecurity Commitment, Culture, and Digital Payment Usage: An Institutional Trust Theory Perspective. Inf Syst Front 25, 1713–1741 (2023). https://doi.org/10.1007/s10796-022-10280-7

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