Purpose Given the large global investments made in FinTechs and the context of Brazilian credit (which has been suffering from the effects of the crisis in the last decade), the purpose of this paper is to study the propensity of consumption of credit services offered by FinTechs of loans. In order to discover the factors that influenced the propensity to apply for FinTech loans, a theoretical model was designed, which was tested by means of a survey given to individuals who might contract loans. Design/methodology/approach The final sample consisted of 507 individuals whose data were analyzed through structural equation modeling (SEM), with estimation of partial least squares. Findings From the results of the research, it was possible to draw a profile of the FinTechs of Brazilian loans and also to estimate the antecedents of the propensity to utilize this type of service. Research limitations/implications The model proposed in this work was developed to measure the propensity to consume in relation to the credit services offered by lending FinTechs. Practical implications The consumer should intensify the use of these channels to shape financial products and services to their needs, thereby democratizing access to credit, which is often restricted in quantity and quality by policies of institutions that dominate the Brazilian lending market. Originality/value Aspects such as trust, personal innovation, perceived utility, ease of use and social influence, as well as the constructs that precede them like privacy, stigma and transactional distance, explain 41.5 percent of the propensity to use services from lending FinTechs in Brazil.

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Não existem garantias de que os avanços tecnológicos serão amplamente absorvidos e postos em prática. Um influente modelo de aceitação de tecnologia, o TAM, postula que percepções individuais sobre novas tecnologias-Utilidade Percebida (UP) e Facilidade de Uso Percebida (FUP)-podem ser utilizadas para prever sua aceitação, expressa pela

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