Modelling Digital Technology Addiction for Individual Over-Indebtedness

Technology had become an essential part of our daily routine, which we cannot live without. It becomes a useful communications tools where people communicate with each other's in many ways via digital technology. However, the developments in the digital software had caused to the new types of behavioural addiction to arise, such as digital game addiction and Facebook addiction. Moreover, the overuse of the digital technology had a trigger to the situations of fear of missing out (FAMO), where the individual will be trying hard to be at par as his/her social norms. Although previous studies have stated that the over-use and dependency of digital technology effects on individual consumption, however, there is no study has considered the impact of digital technology towards over-indebtedness. With regards to this limitation, thus this study tries to formulate a conceptual model for digital technology addiction and individual overindebtedness in filling a research gap in the related field