Authors : Krizia Jane L. Tebelin; Kyla Krylle P. Asuncion; Ma Christina C. Santarin; Lorena Halili

Volume/Issue : Volume 10 - 2025, Issue 2 - February

Google Scholar : https://tinyurl.com/2s48dcab

Scribd : https://tinyurl.com/544hhtfh

DOI : https://doi.org/10.5281/zenodo.14885916

Abstract : The objective of this study is to provide a thorough understanding of the impact of digital transformation in the financial industry, the adoption level of digital financial services, and its potential to generate financial inclusion and consumer behavior. A total of 142 participants, selected through purposive sampling, were individuals working in Pasig City with experience using digital banking. A quantitative research method and descriptive research design were used to determine the respondent’s adoption level of digital financial services and to determine the impact of digital transformation on financial inclusion and consumer behavior. To understand the result and quantitatively investigate the data, the percentage, weighted mean, Mann-Whitney U test, and Kruskal-Wallis were used. The study concluded that the respondents were primarily employed in retail and customer service with an income level of ₱21,914 - ₱43,828 that falls in the lower-middle-class. It shows that working individuals fully adopt digital financial products and services. Moreover, there was no significant difference in the adoption level, impact of digital transformation on financial inclusion, and consumer behavior when participants were grouped according to their demographic profile.

Keywords : Adoption, Consumer Behavior, Digital Transformation, Financial Inclusion.

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