The Impact of Perceived Benefit as a Mediating Variable Between Digital Transformation Technologies and Financial Technology: An Applied Study

The current research aims to study the effect of Perceived Benefit as a mediating variable in the relationship between Digital Transformation Technologies, represented by (Technology, Digitalization of Processes, Databases, Human Resources), and Financial Technology, represented by (Ease of Diagnosis, Social Impact, Performance Expectations,  System Security, Digital Payment Systems), among a sample of electronic payment cardholders (MasterCard) at the University of Thi-Qar. Based on this, the research problem was formulated under the question (Does Perceived Benefit play a mediating role between Digital Transformation Technologies and Financial Technology among electronic payment cardholders?), and to achieve the research objective of addressing the proposed problem and identifying the levels of research variables, only the descriptive qualitative method based on the questionnaire was adopted. A total of (250) questionnaires were distributed to electronic payment cardholders at the concerned university, and (237) were retrieved, of which (9) were defective, and (228) were valid for analysis, resulting in a response rate of (91.20%). To analyze the collected data, two packages were adopted, namely (SPSS & AMOS.V.29), to obtain the best and most accurate results. Accordingly, the research yielded several results, the most important of which is that electronic payment cardholders with a high level of awareness of the importance of accessing financial services, which strengthens their participation in their use. Technologies more effectively, which enhances their ability to use tools and Digital Transformation Technologies to ensure the enhancement of Financial Technology. The research also recommends the necessity of enhancing financial awareness among electronic payment card users by encouraging financial institutions to provide educational programs that focus on Perceived Benefit and their impact on financial decision-making. This awareness can help individuals understand how Digital Transformation Technologies can improve their financial experience.