Antecedents of Fintech Adoption: An Empirical Study among Millennials's Attitude and Intention

被引:0
作者
Priyadarshini, B. Indira [1 ,2 ]
Gupta, Poonam [3 ]
Jagannarayan, Nandini [4 ,5 ]
Babu, S. Ramesh [6 ]
Keswani, Sarika [7 ]
机构
[1] GITAM Sch Business, Hyderabad, Telangana, India
[2] St Anns Coll Women, Business Management, Hyderabad, Telangana, India
[3] Delhi Univ, Dyal Singh Evening Coll, Dept Commerce, New Delhi, India
[4] Ramniranjan Jhunjhunwala Coll Arts Sci & Commerce, Dept Commerce, Mumbai 86, Maharashtra, India
[5] Ramniranjan Jhunjhunwala Coll Arts Sci & Commerce, Mumbai 86, Maharashtra, India
[6] Koneru Lakshmaiah Educ Fdn, Business Sch, Dept MBA, Green Fields, Vaddeswaram, AP, Brazil
[7] Symbiosis Int Deemed Univ, Symbiosis Ctr Management Studies Nagpur, SCMS Nagpur, Pune, Maharashtra, India
来源
PACIFIC BUSINESS REVIEW INTERNATIONAL | 2025年 / 17卷 / 07期
关键词
Perceived Risk; Trust Factor; Government Support; User; Innovativeness; Attitudes towards Adoption; Intention; towards Adoption; INTERNET BANKING ADOPTION; PERCEIVED RISK; TECHNOLOGY ACCEPTANCE; ONLINE BANKING; CONSUMER ACCEPTANCE; TRUST; SATISFACTION; DISEASES; LOYALTY; MODELS;
D O I
暂无
中图分类号
F [经济];
学科分类号
02 ;
摘要
Purpose: With an increase in updated technologies use of Fintech services have also been increased. Intention to use of Fintech services largely depend upon attitude of individuals towards adoption of these services. Drawing upon the Technology Innovation Model (TAM) theory this paper observes different factors associated with customer's attitude towards acceptance of fintech facilities provided by banks that in turn affect intent about usage of these services. The features like Supposed Utility, Apparent Comfort for Usage, Supposed Peril, Trust Factor, Administration Sustenance, Consumer Innovativeness, Attitudes in the direction of Acceptance, Intent in the direction of Adoption are used in this study. Methodology: The data was collected from residents of Delhi using a survey method through online mode. A well-structured questionnaire was circulated among customers with the help of employees of each branch by using the online platform WeChat. Also, Questionnaire was circulated among customers with the help of employees of each branch who gave them proper instructions to fill the questionnaire. It was circulated through WeChat. To inspect the strength of the association amid factors, Confirmatory Factory Analysis (CFA) and regression path analysis were applied using SEM inAMOS software. Findings: The findings revealed that Government Support is a key predictive variable for the adoption of Fintech services. Whereas Perceived Ease of Use and Perceived Risk are not significantly supported the attitude towards adoption of Fintech services. While other factors slightly supported attitude towards adoption. Practical Implications: The findings of this article are useful for banks to provide empirical framework for customers to adopt new, user-centered fintech services. Originality/Value: This article in useful for the banking institutions, Government agencies and insurance companies provide empirical framework for customers to adopt new, user-centered fintech services.
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收藏
页码:132 / 142
页数:11
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