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Accordingly, this study aims at investigating the factors that influence the diffusion rate of digital financial services.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-subheading\">Design\/methodology\/approach<\/jats:title><jats:p>In this study, the authors propose an integrated model by synthesising the extended Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) with the perceived security and perceived privacy as independent variables, as well as the financial awareness as the moderator variable. The survey was distributed to the potential users of digital financial services rather than the actual users. A total of 270 responses were analysed by a quantitative method of Partial Least Squares-Structural Equation\u00a0Modelling (PLS-SEM).<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-subheading\">Findings<\/jats:title><jats:p>The results indicated the significant role of the postulated hypotheses that behavioural intention to use digital financial services platforms is significantly and positively influenced by the subjective norm, performance expectancy, price value, perceived security and perceived privacy, whilst the financial awareness was found to moderate some specified relationships.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-subheading\">Originality\/value<\/jats:title><jats:p>There are few studies on this topic for the Arabian context. The information presented in this article can be useful for professionals and researchers, and further, implications of the study are discussed.<\/jats:p><\/jats:sec>","DOI":"10.1108\/k-08-2021-0710","type":"journal-article","created":{"date-parts":[[2022,6,28]],"date-time":"2022-06-28T21:43:21Z","timestamp":1656452601000},"page":"4876-4896","source":"Crossref","is-referenced-by-count":80,"title":["Does financial awareness increase\u00a0the acceptance rate for\u00a0financial inclusion? 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