1. Introduction
The 21st century is a period of intense technological transformation, commonly referred to as the Fourth Industrial Revolution, whose foundation lies in digital transformation. Digitization processes encompass not only the social and economic spheres but also international relations, influencing the way states, organizations, and individuals function. The digital economy is based on the phenomena of datafication—that is, the transformation of reality into data—and networking, which enables real-time information flow and strengthens global interconnections. In this new reality, all market participants must find their place—on both the supply and demand sides [
1,
2]. Consumers are becoming an integral element of an ecosystem of interconnected digital technologies in a world of pervasive intelligence. Consequently, the development of the digital economy brings about changes in consumer behavior, including what consumers purchase, factors determining purchasing decisions, and attitudes toward online shopping [
3]. The development of digital consumer behaviors directly results from the virtualization of commercial and service activities, the level of which is reflected in the Digital Economy and Society Index (DESI) [
4]. In 2023, Poland scored 40.3 points (out of a possible 100) on the DESI index, ranking 24th among EU countries (with Finland in first place with 76.2 points, and Romania in 27th with 34.0 points). Poland was selected as the focus of this study due to its unique combination of a low DESI score and a rapid pace of digital transformation. The country represents a digitally emerging market, where consumer behavior is shaped by dynamic technological change and growing environmental awareness.
Consumer behavior has always been a multifaceted area of research, covering the psychological, social, and cultural determinants of the processes of purchasing and using products and services [
5,
6]. Over time, these behaviors have evolved under the influence of both internal and external factors: technology, culture, individual traits, types of goods and services, motivations, and learning processes [
7]. Digital consumer behavior constitutes a specialized sub-discipline that examines these same phenomena in the digital environment [
8,
9]. Literature reviews indicate growing interest in this research area [
9,
10,
11,
12,
13,
14,
15,
16,
17,
18], which is also confirmed by systematic analyses [
8,
19].
To date, research has primarily focused on the use of new technologies (IoT, big data), digital advertising, behavior in mobile environments, and changes in trade and company strategies [
20,
21,
22,
23,
24,
25]. Although existing studies have yielded important conclusions regarding selected aspects of digital consumer behavior, there is still a lack of approaches that simultaneously consider three key variables: digital skills, personal innovativeness, and attitudes toward smart home technology—especially in the context of their impact on consumers’ ecological awareness and perception of the environmental consequences of their digital activities. In an era of increasing emphasis on sustainable development and digital responsibility, research analyzing digital consumer choices is becoming particularly important—especially in countries such as Poland, which, despite a low DESI index, are dynamically developing in terms of digital behaviors and smart technologies.
The aim of this article is therefore to demonstrate how psychosocial factors (such as personal innovativeness), competency-related factors (digital skills), and technological factors (attitudes toward smart home technologies) influence the behavior of digital consumers in Poland, and to what extent these consumers are aware of the environmental implications of their online actions. This approach fits within the current discourse on digital responsibility and the need to integrate digital transformation with sustainable development strategies.
This article comprises both theoretical and empirical components. The introductory section (
Section 1) outlines the background and rationale for examining digital consumer behavior in Poland, along with its implications for environmental sustainability. The theoretical part (
Section 2) presents a literature review covering key research concepts such as digital consumer behavior (DCB), digital skills (DS), personal innovativeness (PI), smart home adoption (SHA), and environmental awareness (EA). This section also introduces the conceptual research model and the hypotheses, which are grounded in an analysis of existing national and international studies. The empirical investigation is discussed in the following two sections:
Section 3 and
Section 4.
Section 3 provides a detailed account of the adopted research methodology, including the design of the questionnaire and measurement scales, data collection procedures, and the characteristics of the research sample.
Section 4 presents the results of the Confirmatory Factor Analysis (CFA) and Structural Equation Modeling (SEM), including an assessment of model fit, measurement reliability and validity, and the verification of hypotheses. This section also includes a gender moderation analysis using multi-group modeling. In
Section 5, the findings are discussed in light of the existing literature, highlighting new theoretical insights and practical implications.
Section 6 offers a concise summary of the main results, while
Section 7 addresses the study’s limitations and suggests possible directions for future research.
4. Results
Before conducting the structural model analysis, a Confirmatory Factor Analysis (CFA) was performed for the five latent constructs: digital skills (DS), personal innovativeness (PI), smart home adoption (SHA), digital consumer behavior (DCB), and environmental awareness (EA). Due to violations of multivariate normality assumptions (Mardia’s skewness = 32,664.27; kurtosis = 91.54; p < 0.001), the WLSMV estimator was employed, which is suitable for ordinal variables.
The CFA model demonstrated satisfactory fit: CFI = 0.975, TLI = 0.973, RMSEA = 0.095 (90% CI [0.093, 0.096]), SRMR = 0.085. Although the RMSEA slightly exceeded the conventional threshold of 0.08, the high CFI and TLI values, along with an acceptable SRMR, indicate an overall good model fit.
All factor loadings were statistically significant (
p < 0.001). Reliability indices for the constructs—Composite Reliability (CR), Cronbach’s alpha (α), McDonald’s omega (ω), and Average Variance Extracted (AVE)—confirmed the internal consistency of the scales: CR ranged from 0.867 to 0.987; both α and ω exceeded 0.90 for most constructs (
Table 3).
Discriminant validity was confirmed through inter-construct correlations below 0.85 and chi-square difference tests (
Table 4).
All correlations between the constructs were statistically significant (p < 0.001) and ranged from 0.226 to 0.635. None of the correlation coefficients exceeded 0.85, indicating satisfactory discriminant validity. Chi-square difference tests further confirmed discriminant validity for all construct pairs (p < 0.001).
Structural Equation Modeling (SEM) was used to test the hypothesized relationships among the five latent constructs. The WLSMV estimator was applied. The model demonstrated a moderate fit: χ
2 (853) = 15,255.31,
p < 0.001; CFI = 0.77; TLI = 0.76; RMSEA = 0.100 (90% CI [0.098, 0.102]); SRMR = 0.103. Although the CFI and TLI values fell slightly below conventional thresholds, the model fit was considered acceptable given the complexity of the model and the large sample size (
n = 1243). A graphical representation of the estimated model is presented in
Figure 2, and detailed path estimates with standard errors,
p-values, and 95% confidence intervals are reported in
Table 5.
Personal innovativeness emerged as the strongest predictor of digital consumer behavior (DCB). Individuals who are more open to new technologies tend to engage more frequently in digital consumer activities, such as online shopping or using digital applications. Digital skills also had a positive impact on DCB, suggesting that digital competence facilitates consumer behavior in online environments. Smart home adoption showed the weakest, yet still statistically significant, effect on DCB. This indicates that while the use of smart home devices may correlate with digital consumer activity, it is not a primary driver of such behavior. Digital consumer behavior had a significant positive influence on environmental awareness. Digitally active individuals were more likely to report heightened ecological awareness. The model accounted for over 70% of the variance in DCB, and for environmental awareness, the explained variance was moderate at 38.1%.
These results confirm hypotheses H1 through H4 and underscore personal innovativeness as the most influential predictor of digital consumer behavior (
Table 6).
To examine the moderating role of gender (H5a–c), separate SEM models were estimated for women and men (
Table 7). A graphical representation of the multi-group model is presented in
Figure 3.
The obtained effects differed between gender groups. Personal innovativeness had a strong positive effect on digital consumer behavior (DCB) in both groups, though the effect was stronger among women (β = 0.697) compared to men (β = 0.625). Digital skills significantly influenced DCB in both groups as well, with a more pronounced effect in women (β = 0.281) than in men (β = 0.123). Smart home adoption had a statistically significant impact on DCB only in the male group, while the effect was not significant among women (p = 0.160). DCB significantly predicted environmental awareness in both groups, with a slightly stronger effect observed in men.
To examine the stability of the model across gender, a measurement invariance test was conducted, and regression paths in the structural model were evaluated (see
Table 8). Model comparison results indicated partial metric invariance, but no full scalar invariance (χ
2_diff = 120.53, df = 38,
p < 0.001). This may suggest differences in how certain questionnaire items were interpreted or differing baseline levels of the constructs between groups.
The CFA model demonstrated satisfactory fit: CFI = 0.975, TLI = 0.973, RMSEA = 0.095 (90% CI [0.093, 0.096]), and SRMR = 0.085. Although the RMSEA exceeded the conventional threshold of 0.08, the high CFI and TLI values, along with an acceptable SRMR, indicate a reasonably good model fit.
While full measurement invariance between women and men could not be established, the results suggest that the model performs similarly enough across groups to allow for cautious comparisons. Therefore, partial invariance is assumed, meaning that most—though not all—elements of the model are measured in a comparable manner across genders.
The results of the gender moderation analysis confirm that the strength of predictor effects on DCB significantly differs between women and men. Personal innovativeness and digital skills show stronger associations with DCB among women, while smart home adoption has a significant effect only in the male group. In summary, the findings support hypotheses H5a–H5c (
Table 9).
5. Discussion
The aim of this study was to examine the impact of selected factors: digital skills, personal innovativeness, and attitudes toward smart home technology on digital consumer behavior in Poland, as well as to explore the relationship between online activity and environmental awareness. Based on the proposed theoretical model, four primary hypotheses and four gender moderation hypotheses were tested. The findings from the Structural Equation Modeling (SEM) confirmed most of the assumed relationships.
The results supported hypothesis H1, which posited that digital skills (DS) have a positive and strong effect on digital consumer behavior (DCB). The path coefficient (β = 0.207;
p < 0.001) indicates a statistically significant relationship, suggesting that higher levels of digital competence lead to greater consumer activity in digital environments. These findings are consistent with previous research. For instance, Park et al. [
124] demonstrated that digital competencies play a crucial role in shaping effective and conscious purchasing decisions in the digital economy. Similarly, Laaber et al. [
56] found that consumer digital maturity—understood as a combination of technical and cognitive skills—significantly increases engagement in online activities. Digitally mature consumers navigate online environments more effectively and make more intentional, informed choices. Converging evidence was also presented by Gazzola et al. [
125], who emphasized that online consumer skills—comprising the construct of so-called Consumer Empowerment—are among the most influential variables driving sustainable purchasing behavior in digital settings. The authors highlighted that well-developed digital skills enable consumers to compare offers, assess product quality and sustainability, and draw on the experiences of other buyers. A similar view was shared by Malchenko et al. [
126], who argued that advanced digital competencies form the foundation for effective consumer participation in the digital marketplace, empowering individuals to act more autonomously and mindfully.
The findings also strongly support hypothesis H2, which stated that personal innovativeness (PI) significantly and positively affects digital consumer behavior (DCB). The high path coefficient (β = 0.681;
p < 0.001) indicates a strong association between an individual’s willingness to experiment with new technologies and their engagement in digital consumer activities. Similar conclusions were drawn by Jeong and Choi [
127], who found that consumers with high personal innovativeness are more influenced by product attributes such as novelty, aesthetics, and relative advantage. For this group, the intention to purchase wearable devices increased significantly, in contrast to individuals with lower levels of PI, who were less responsive to the novelty factor. These findings suggest that PI not only directly influences purchasing behavior but may also moderate the relationship between perceived product features and purchase intention.
The results also confirm hypothesis H3, indicating that attitudes toward smart home adoption (SHA) significantly affect digital consumer behavior (β = 0.102;
p < 0.001), although this effect was the weakest among the examined predictors. This may imply that while the use of smart home devices is associated with digital consumer activity, it is not a primary driver of such behaviors. These results are consistent with previous studies. Adapting everyday life to new digital technologies and learning to use their functionalities requires consumer engagement in a learning process [
128]. Although smart home devices are designed to be user-friendly, their configuration and personalization often demand a certain level of digital literacy. The implementation of a smart home involves full adaptation to and acceptance of digital technologies within one’s environment. It is worth referring to the findings of Korean researchers, who point out that smart home adoption is influenced by numerous complex factors, such as consumer income inequality and the housing context. South Korea, as a country with a highly developed technological infrastructure, demonstrates that even basic socio-demographic factors can create various types of gaps and have a significant impact on smart home adoption [
129]. Mocrii et al. [
82] noted that smart home technologies may offer educational benefits, such as access to new forms of knowledge and the development of new digital behaviors. Regular use of these technologies may naturally enhance digital fluency, confidence, and engagement in digital environments [
130]. In contrast, studies by Chang et al. [
71] and Paetz et al. [
131] revealed that consumers who incorporate smart home devices into their routines also express concerns about privacy breaches, data leakage, loss of control over personal life, and excessive intrusion by producers or service providers. These concerns may lead to the emergence of negative digital behaviors, such as distrust, reduced willingness to adopt, or even outright rejection of digital technologies.
The results of the structural analysis confirm a positive and strong effect of digital consumer behavior (DCB) on environmental awareness (EA), fully supporting hypothesis H4. The path coefficient (β = 0.617;
p < 0.001) indicates a significant relationship, suggesting that individuals who are more digitally active, e.g., those using e-services, shopping online, or consuming digital content, tend to report higher levels of environmental awareness. Today, digital consumer behaviors are beginning to surpass traditional behaviors, not only among younger consumers [
36,
132]. One could argue that digital consumer behavior functions as a meta-variable that mediates the transition from technological engagement to normative attitudes. Naturally, modern technologies, or rather their use, do not inherently generate pro-environmental values. However, they can facilitate their activation. The digitization of consumer behavior can support actions that lead to a reduction in physical consumption (e.g., using e-services instead of physical products) and enhance decision-making aligned with environmental knowledge [
133,
134,
135]. These findings align with the concept presented by Lounis et al. [
136], who showed that digital shopping environments—particularly those enhanced with gamification elements—not only foster consumer engagement but also increase readiness to purchase eco-friendly products. Similarly, research by Handayani et al. [
137] highlights that growing environmental awareness, fueled by access to digital information and online education, significantly shapes the development of pro-environmental attitudes. Fici et al. [
138] further emphasized that modern digital platforms—including immersive environments like the metaverse—engage consumers both emotionally and cognitively, which may increase their susceptibility to environmental messages and foster environmental awareness in digital contexts. Dat et al. [
139] rightly point out that strong consumer engagement in digital behaviors contributes to the growth of environmental awareness. Research conducted in Vietnam—a country with a moderately low level of digital maturity—clearly shows that digitalization, through the effective dissemination of information, strengthens consumers’ positive intentions regarding environmental protection. Environmental awareness is shaped by a complex combination of knowledge, social influence, and economic factors operating within a digital context. Jaciow and Wolny [
95] found that Gen Z consumers, who are deeply embedded in digital communication channels, exhibit high levels of ecological engagement. Moreover, digital consumer behavior may promote environmentally friendly attitudes through providing the following:
access to a broader range of information about sustainable products;
ease of comparing brands in terms of environmental impact;
participation in online communities promoting zero-waste lifestyles or the circular economy.
It is also important to consider the reverse relationship—the impact of environmental attitudes on digital consumer behaviors. For example, Lin and Dong [
140] emphasized that environmental awareness in digital contexts (e.g., purchasing energy-efficient products online) strongly influences purchasing attitudes, especially when consumers perceive both functional and ecological value in products. Their findings suggest that when consumers perceive both ecological and functional value in such products, their purchase intentions—particularly in digital environments—are positively shaped by prior environmental concerns.
A significant aspect of the analysis was the moderating role of gender, although the strength of this effect varied across constructs and between women and men. The influence of digital skills (DS) on digital consumer behavior (DCB) was statistically significant in both groups, but stronger among women (β = 0.281) than men (β = 0.123). This supports hypothesis H5a, which posits that the strength of the DS–DCB relationship significantly differs by gender. The stronger association between DS and DCB among women suggests gender-specific uses of digital competencies. These findings align with Yoleri and Anadolu [
141], who reported that women score higher in digital ethics and responsibility, while men tend to excel in general knowledge, functional skills, and digital content creation. This may explain why women, who often use technology more consciously and responsibly, show a stronger link between skills and consumer activity. Moreover, OECD data [
142] indicate that women are more likely than men to use digital technologies for social and communicative purposes.
Hypothesis H5b, stating that gender moderates the effect of personal innovativeness (PI) on DCB, was also confirmed. This relationship was slightly stronger among women (β = 0.697;
p < 0.001) than men (β = 0.625;
p < 0.001). Similar findings were presented by Sohaib et al. [
143], who showed that cognitive innovativeness moderates the link between trust in e-commerce and the intention to purchase new products, with a stronger effect observed among female consumers.
The analysis of gender as a moderator between smart home adoption (SHA) and DCB showed a significant effect only among men (β = 0.175). Among women, this effect was not statistically significant (β = 0.059;
p = 0.160), thus only partially confirming hypothesis H5c. These findings are in line with Kennedy et al. [
144], who noted that men are more proactive in adopting smart home technologies. Similarly, Strengers and Nicholls [
145] described men as “digital household managers”, typically responsible for implementing and maintaining home digital systems.
These findings should be interpreted within the specific socio-digital context of Poland. The country’s comparatively low level of digital advancement, as indicated by its DESI ranking [
4], alongside distinct patterns of consumer behavior, constitutes a contextual framework that significantly influences the observed relationships. Consequently, the applicability of these results beyond the Polish setting remains limited and should be considered with appropriate caution.
Finally, gender moderation analysis showed that the effect of DCB on environmental awareness (EA) was significant in both groups, but slightly stronger among men (β = 0.638) than women (β = 0.576), indicating a partial moderating effect and supporting hypothesis H5d. These differences may stem from divergent motivations and patterns of technology use. The findings align with prior research on gender roles in ecological and technological attitudes. For example, Brough et al. [
146] found that men often perceive environmental actions as “unmanly”, and their engagement in green behaviors depends more heavily on contextual factors (e.g., functionality, innovation). However, when digital consumption is associated with modernity and utility, it becomes a socially “safe space” for men to identify with ecological values. On the other hand, women may express environmental awareness more through social, emotional, and normative drivers rather than digital consumption per se [
147,
148].
6. Conclusions
The results confirmed that all four examined factors significantly influence consumer activity in the digital environment, with personal innovativeness emerging as the strongest predictor. Additionally, digital consumer behavior (DCB) demonstrated a strong positive relationship with environmental awareness (EA), suggesting that greater engagement in digital services supports a more sustainable approach to environmental issues. The analysis of gender as a moderator revealed that digital skills and personal innovativeness have a stronger effect on women’s consumer behavior, whereas attitudes toward smart home technologies were significant only among men. These differences highlight the importance of incorporating demographic factors when studying technology adoption and pro-environmental attitudes.
This research makes a significant contribution to understanding the mechanisms of responsible digital consumption in the context of sustainable development. It underscores the growing role of digital competencies and openness to innovation in shaping environmental attitudes. From a theoretical perspective, this study enriches the existing body of knowledge by integrating three previously distinct research areas—digital consumer skills, personal innovativeness, and ecological awareness—into a single empirical model. It also demonstrates that DCB serves as a mediating variable between technological and psychological predictors and pro-environmental attitudes, enabling a deeper understanding of the role of digital transformation in advancing sustainability goals, especially responsible consumption. The findings offer a foundation for future cross-national comparative research and provide practical insights for developing initiatives that support pro-environmental consumer behavior in the digital economy.
From a practical standpoint, the results have important application value, especially for companies operating in the e-commerce sector. The findings can support consumer segmentation based on levels of digital competence, personal innovativeness, and environmental awareness. This enables the design and implementation of marketing strategies that promote a long-term balance between economic, social, and environmental goals through the use of modern digital technologies. In particular, these insights can inform consumer education programs by identifying groups with high digital readiness who are also more receptive to messages about sustainability. Such programs may focus on building awareness about the environmental consequences of digital behaviors and promoting eco-responsible technology use. Moreover, the findings can be utilized in user-centered app design by embedding sustainability-oriented features into digital platforms. This includes features such as green nudges, eco-efficiency dashboards, or filters for environmentally certified products, which align with the values of digitally competent users. Designers should consider gender-related differences in motivational triggers, tailoring app functions accordingly. Additionally, the observed correlation between digital consumer behavior and environmental awareness offers valuable guidance for targeted marketing strategies aimed at environmentally conscious audiences. Brands can create segmented campaigns that emphasize innovation and sustainability, especially for consumers with high personal innovativeness. For example, marketing messages highlighting the ecological benefits of smart products, minimalistic consumption, or circular economy services may resonate more effectively with this segment.
E-commerce businesses should take into account the environmental impact of their products and services, promote conscious consumption, and strengthen customer loyalty through brand engagement in ecological initiatives. Recommendations for online retailers aimed at reducing their environmental footprint may include a range of sustainable marketing practices, from promotional strategies to logistics solutions. For example, it is advisable to promote eco-certified products (e.g., EU Ecolabel) and locally sourced items, introduce reusable or returnable packaging, and implement green logistics practices such as order consolidation, optimized delivery routes, and the use of low-emission transport (e.g., cargo bikes, electric vehicles). A crucial component of sustainable e-commerce strategy is also the promotion of eco-friendly products and designing tools that support green decision-making, such as sustainability rankings, “eco” search filters, and carbon footprint labels. Equally important is transparency in product offerings and production processes, ensuring that consumers have access to reliable information about the origin, composition, lifecycle, and certification of products.
Public institutions and non-governmental organizations can also play a vital role in advancing these goals by developing educational and awareness campaigns promoting responsible consumer behavior in the digital realm. Mobile apps and online learning platforms, for instance, can disseminate knowledge about conscious consumption, resource conservation, and the environmental consequences of everyday purchasing decisions. Such efforts are particularly effective in reaching digitally active consumers. These recommendations can be integrated into companies’ ESG (Environmental, Social, Governance) strategies, thereby supporting the achievement of global sustainability goals—in particular, SDG 12: Responsible Consumption and Production.
7. Limitations and Future Research
Despite the broad scope of the study and the application of quantitative methods and validated scales, the present analyses are subject to several important methodological and cognitive limitations. These should be taken into account when interpreting the results, as well as when designing future research in related areas. One key limitation is the cross-sectional nature of the study, which prevents definitive conclusions about causal relationships between the analyzed constructs. Although Structural Equation Modeling (SEM) allows for testing complex relationships between latent variables, it does not eliminate the possibility of reciprocal effects. Establishing the causal order between digital skills, personal innovativeness, attitudes toward smart home technology, and environmental awareness would require a longitudinal research design. Such studies would allow researchers to capture the dynamics of these relationships over time. A second limitation is the lack of consideration for regional and cultural contexts, which may significantly influence levels of digital maturity and environmental awareness. Differences in access to technological infrastructure, lifestyles, and local economic conditions could moderate the observed relationships and should be considered in future research. Another limitation concerns the national specificity of the research context. The cultural norms, infrastructural conditions, and consumer behavior patterns that characterize the Polish environment may not be representative of other countries. To assess the robustness and external validity of the proposed model, future studies should incorporate cross-national comparisons involving societies with varying levels of digital development and environmental awareness. An additional limitation lies in the self-reported nature of the data. All variables were measured using participants’ subjective assessments, which introduces the risk of cognitive biases, such as social desirability bias or the halo effect. The lack of independent verification may affect the reliability and validity of the results. Moreover, a limitation may stem from the use of the WLSMV estimator, which can restrict the comparability of the results with studies conducted on large samples using classical modeling approaches.
Future studies may consider applying data and method triangulation, supplementing declarative measures with alternative sources of information such as behavioral data, digital activity tracking, or participant observation. In light of these limitations, several future research directions are recommended:
The use of longitudinal and experimental research to enable the analysis of changes in consumer attitudes and behaviors over time, and in response to specific environmental or technological stimuli (e.g., national culture and values, access to emerging technologies);
The implementation of international comparative studies, which would allow the results obtained in Poland to be contrasted with data from countries with different levels of digital maturity and environmental awareness;
The examination of potential reverse relationships between environmental awareness and digital consumer behavior, particularly whether pro-environmental attitudes may encourage more sustainable digital practices;
The application of mixed-methods approaches combining quantitative statistical modeling with qualitative analyses of consumer narratives. Such triangulation would deepen the understanding of motivations, barriers, and values that guide consumers in the digital world.
Pursuing these research directions would not only enable a better understanding of the mechanisms shaping pro-environmental attitudes in the digital economy but would also provide valuable recommendations for the development of sustainable consumption and innovation policies.