Correlation tests
| Income levels | 1 | 2 | 3 | 4 | 5 | 6 | 7 | |
|---|---|---|---|---|---|---|---|---|
| 1. Fintech usage | 0.180** | |||||||
| 2. Financial literacy | 0.283** | 0.180** | ||||||
| 3. Gender | 0.049 | 0.079 | 0.105* | |||||
| 4. Education | 0.029 | 0.047 | 0.260** | 0.109* | ||||
| 5. Age | 0.091 | 0.019 | 0.119* | 0.004 | 0.147** | |||
| 6. Marital status | 0.043 | 0.046 | −0.012 | 0.091 | 0.154** | 0.034 | ||
| 7. Work experience | 0.153** | 0.217** | 0.038 | 0.137** | 0.146** | 0.050 | 0.404** | |
| 8. Explorer trait | 0.148** | 0.232** | 0.087 | 0.164** | 0.151** | 0.024 | 0.428** | 0.569** |
| Income levels | 1 | 2 | 3 | 4 | 5 | 6 | 7 | |
|---|---|---|---|---|---|---|---|---|
| 1. Fintech usage | 0.180** | |||||||
| 2. Financial literacy | 0.283** | 0.180** | ||||||
| 3. Gender | 0.049 | 0.079 | 0.105* | |||||
| 4. Education | 0.029 | 0.047 | 0.260** | 0.109* | ||||
| 5. Age | 0.091 | 0.019 | 0.119* | 0.004 | 0.147** | |||
| 6. Marital status | 0.043 | 0.046 | −0.012 | 0.091 | 0.154** | 0.034 | ||
| 7. Work experience | 0.153** | 0.217** | 0.038 | 0.137** | 0.146** | 0.050 | 0.404** | |
| 8. Explorer trait | 0.148** | 0.232** | 0.087 | 0.164** | 0.151** | 0.024 | 0.428** | 0.569** |
Note(s): **. Correlation is significant at the 0.01 level (2-tailed)
*. Correlation is significant at the 0.05 level (2-tailed)
Source(s): Authors’ own work