Application of Technology Acceptance Model (Tam) in Fintech Services

Khatri, Arun; Gupta, Nakul; Parashar, Anupama

doi:10.34218/ijm.11.12.2020.328

Cited by 9 publications

(11 citation statements)

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“…In turn, the above-mentioned features determine the perceived usefulness of the FinTech lenders' offer, which, according to the authors' own research, has a positive impact on users' attitudes towards the adoption of digital lending services. The obtained research results are consistent with the conclusions of other researchers (Contreras Pinochet et al, 2019;Hu et al, 2019;Khatri et al, 2020;Luna et al, 2018 andZhang et al, 2018), slight differences appear only in the catalog of benefits and advantages related to using digital loans, or the power of impact on the dependent variable. According to the surveyed Poles using the offer of FinTech lenders, the most useful feature was the simplification of the necessary formalities and the shorter time needed to obtain money -76.43% of responses.…”

Section: Discussionsupporting

confidence: 90%

“…In their research, i.a. Hu et al (2019), Luna et al (2018), Zhang et al (2018) and Khatri et al (2020) prove that the higher the PU level of a given technology represented, e.g., by financial services provided as part of FinTech activities, the higher the probability of this factor influencing the intention to adopt technological innovations, and thus their actual use. The importance of this predictor for the adoption intentions of FinTech services is also confirmed by the fact of its strong relationship with shaping personal satisfaction resulting from the use of digital financial services offered on various types of IT platforms.…”

Section: Perceived Usefulness -Pumentioning

confidence: 99%

“…In this study, the addressed construct includes confidence in the brand and loan services provided by FinTech companies. Adopting this perspective is a consequence of the authors' own assumption, following which PT, influencing the decision to accept or reject innovative financial services offered by FinTech lenders, is closely related to: a/security assessment of the products themselves and also the form and methods of their distribution, as well as b/brand image of the entity offering them, the knowledge and assessment of which influence consumer decisions (Caviggioli et al, 2020;Khatri et al, 2020).…”

Section: Perceived Trust -Ptmentioning

confidence: 99%

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Adoption factors in digital lending services offered by FinTech lenders

Adamek

Solarz²

2023

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Research background: Traditional financial institutions are facing new competitors ? FinTech lenders. The development of these entities and their services depends on many factors, including the level of their acceptance and use by potential and/or current customers. This acceptance determines the ability to create desired financial results and defines the set of FinTech lenders? activities and also their environment aimed at shaping the offer which meets their consumers? expectations. The limited number of studies addressing the identification and assessment of the impact exerted by the adoption factors of lending services offered by FinTech lenders and the lack of such analyzes relating to these decisions made by consumers from Central and Eastern Europe argue for the need to conduct such research. Purpose of the article: Identify factors driving consumers? adoption of digital lending services offered by FinTech lenders in Poland. Methods: Critical analysis of the source literature, descriptive and comparative analysis, diagnostic survey, econometric methods (PCA, SEM used in the TAM). Empirical data come from the surveys carried out in May 2022 using the CAWI method and covering a representative sample of 1,000 Poles. Findings & value added: The study identified factors driving consumers? adoption of digital lending services, including perceived trust, risk, usefulness and financial health. It has been proven that the perceived ease of use and innovation do not represent the statistically significant constructs influencing the accepted adoption attitudes. The adopted research model shows a considerable power to explain the intention of using digital loans. The article is the first scientific study of this type discussing the identification of adoption factors for loan services offered by FinTech lenders operating on the Central and Eastern European market. The presented example of Poland being the leader in this dynamically developing market provides the background for conducting international comparative studies in the future.

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Section: Discussionsupporting

confidence: 90%

Section: Perceived Usefulness -Pumentioning

confidence: 99%

Section: Perceived Trust -Ptmentioning

confidence: 99%

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Adoption factors in digital lending services offered by FinTech lenders

Adamek

Solarz²

2023

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“…This fundamental research topic has been studied from various angles, including technological features, demographics, and trust. The adoption of novel technologies has often been explained by a number of theories, such as the innovation diffusion theory [ 20 ], the theory of reasoned action (TRA) [ 21 ], TAM [ 22 ], and the theory of planned behavior (TPB) [ 23 ]. Thus, we used TAM, IDT, Social network theory, and Vested interest theory for this research.…”

Section: Conceptual Frameworkmentioning

confidence: 99%

“…TAM is a modified version of TRA [ 21 ] and was developed initially to describe user acceptance of IT [ 22 ]. This model speculates that behavioral intentions of use straightforwardly dictate framework use.…”

Section: Conceptual Frameworkmentioning

confidence: 99%

Exploring trust determinants influencing the intention to use fintech via SEM approach: Evidence from Pakistan

Zhao,

Khaliq,

et al. 2024

Heliyon

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Payment Fintech application adoption in low–income groups: How financial literacy moderates influencing factors?

Singh,

Rafat,

Srivastava

2024

JSTPM

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Purpose This study aims to determine the factors that influence payment Fintech application adoption intention among low-income groups in India. Design/methodology/approach This study used an expanded technology acceptance model (TAM; covering perceived usefulness, perceived ease of use, social influence, perceived risk and financial literacy), which was tested using 310 low-income respondents in Northern India. The PLS-SEM approach was used to analyse the data. Findings The results indicate that perceived usefulness, perceived ease of use, social influence and financial literacy all has a direct positive relationship with the intention to use Fintech. Furthermore, financial literacy was found to be the moderator in moderating the relationship between social influence and intention to use the Fintech app. Research limitations/implications This study ameliorates existing research and deepens the authors’ understanding of users’ intentions to use Fintech among low-income groups. The findings of the study help both policymakers and academicians in designing effective strategies for promoting Fintech usage. Originality/value This study examines the factors that determine Fintech application adoption, particularly among low-income individuals. The TAM framework was expanded to include perceived risk and financial literacy as two of the factors influencing Fintech adoption. Furthermore, the moderating role of financial literacy on intention to use Fintech app was considered in this study in the context of a developing country such as India.

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Application of Technology Acceptance Model (Tam) in Fintech Services

Cited by 9 publications

References 0 publications

Adoption factors in digital lending services offered by FinTech lenders

Adoption factors in digital lending services offered by FinTech lenders

Exploring trust determinants influencing the intention to use fintech via SEM approach: Evidence from Pakistan

Payment Fintech application adoption in low–income groups: How financial literacy moderates influencing factors?

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