Abstract
Based on the panel data of 31 provinces in China from 2011 to 2022, this paper analyzes the impact of digital finance on online shopping. We construct a moderated mediation model with credit constraint as the mediating variable and payment convenience as the moderating variable. The results show that digital finance significantly promotes consumers' online shopping, credit constraint mediates the impact of digital finance on online consumption, and payment convenience positively mediates the effect of credit constraint.
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