COVID-19 and Behavioral Factors of e-Payment Use: Evidence from Serbia

Banknotes and coins are some of the most frequently traded items in world. Their current use, however, is unsustainable, many countries trying to digitalize their payment systems. The recent pandemic has accelerated this transition. Building on Theory Unintended Consequences, aim article examine influence pandemic-specific factors (in specific, hand sanitization, conspiracy theory mentality, financial acumen) prospective use e-payment. A particular study analyze these relationships Serbia (as an example a cash-centric society). based primary data gathered via questionnaire. questionnaire was designed for purpose study. In total, examined N = 474 examinees. results confirm that pandemic-induced variables statistically significant predictors e-payment use. particular, mentality (reversely), acumen positively affect