Banking goes digital: The adoption of FinTech services by German households

Jünger, Moritz; Mietzner, Mark

doi:10.1016/j.frl.2019.08.008

Cited by 220 publications

(132 citation statements)

References 21 publications

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“…They further showed that the attitude toward acquiring a product is greater when brand awareness and service trust of consumers is higher. In addition, some other studies (Chuang, Liu, and Kao 2016;Hu et al 2019;Jünger and Mietzner 2019) also showed that users' trust in Fintech services is statistically significant in influencing their attitudes towards adoption. It is presumed that once customers believe that the information provided by companies is true, they tend to adopt a positive attitude toward such companies.…”

Section: Empirical Literature and Hypothesis Formulationmentioning

confidence: 89%

“…The result showed a positive relationship between them, indicating that every time a newly introduced technology is easier to use it raises potential users' intention to use mobile banking. Jünger and Mietzner (2019) conducted a survey among 323 German households in 2017 regarding the tendency of the households to switch from their traditional banks to Fintech companies as well as the factors which influence the propensity of German households to change from traditional banks to Fintech companies. The results indicated that 31% of the sampled households are willing to switch from a traditional bank to a Fintech company, demonstrating that the new Fintech companies could take a significant market share from the traditional banks.…”

Section: Empirical Literature and Hypothesis Formulationmentioning

confidence: 99%

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Factors influencing attitudes and intention to adopt financial technology services among the end-users in Lagos State, Nigeria

Akinwale

Kyari

2020

African Journal of Science, Technology, Innovation and Developm

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Financial technology (Fintech) innovation has brought a dynamic change to the financial sector as new products and services are offered by conventional banks and other companies offering banking services through various online platforms. The attitudes of the end-users tend to play a great role in the adoption of any technology. This paper investigated the factors influencing the attitudes and intention of the end-users towards using Fintech services within the purview of an expanded technology acceptance model (TAM). The study was conducted on 467 end-users in Lagos State, Nigeria, using structural equation model analysis. The results revealed that perceived usefulness, perceived ease of use, service trust and social influence have positive and significant impact on users' attitude towards Fintech service with path weights of 0.55, 0.63, 0.27 and 0.41, respectively, at 1% level of significance. In addition to this, users' attitude towards Fintech services is positively significant in influencing the adoption of Fintech service with path weight of 0.85 at 1% level of significance. The study suggests that more investment is made in Fintech innovations and that banks sensitize the general public using social media, TV and radio stations. Further, proper regulatory measures by the relevant regulatory agency must be implemented to instil confidence and trust in the endusers. This would boost the level of adoption of Fintech among the end-users in Nigeria.

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Section: Empirical Literature and Hypothesis Formulationmentioning

confidence: 89%

Section: Empirical Literature and Hypothesis Formulationmentioning

confidence: 99%

Factors influencing attitudes and intention to adopt financial technology services among the end-users in Lagos State, Nigeria

Akinwale

Kyari

2020

African Journal of Science, Technology, Innovation and Developm

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“…In order to prevent such security leaks, fintechs implement multiple security checks: electronic keys, encryption and biometric identification, service, platform, network, and device security [9]. The availability of privacy and security policies, along with a good reputation should not be neglected [97,98]. Where possible, fintechs might offer credential from a third party, regulatory or certification body.…”

Section: Hypothesis 3 (H3)mentioning

confidence: 99%

Customer Experience in Fintech

Barbu

Florea

Dabija

et al. 2021

JTAER

143

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The purpose of this paper is to analyse customer experience (CX) in the fintech sector. Fintech is a dynamic and innovative field that fully benefits from advances in information and communication technology. The concept of customer experience is multidimensional, analysed from various perspectives, and with distinct valences in different industries. Based on the stimulus-organism-response (S-O-R) approach, we proposed a model in which customer experience in fintech is the result of customer’s evaluation of the stimuli proposed by fintech companies. Using partial least squares equation modelling (PLS-SEM), we tested a series of hypotheses and validated the proposed model. The results showed that perceived value, customer support, assurance, speed and perceived firm innovativeness are positively related to customer experience in fintech. In turn, customer experience is positively associated with loyalty intentions of the customer. Our paper contributes in identifying the dimensions, the determinants and the outcomes of customer experience in fintech, while from a managerial perspective, we demonstrate how fintech companies must integrate customer experience in their business models.

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“…Fintech is a new sector in the financial industry that combines various technologies to support trade, corporate business, and services to retail consumers (Gibson, 2015;Micu and Micu, 2016;Temelkov, 2018). It has been very popular in various countries in the last ten years (Arner et al, 2015;Prawirasasra, 2018;KPMG, 2018;Jünger and Mietzner, 2019). Indonesia has great potential for the development of fintech.…”

Section: Introductionmentioning

confidence: 99%

Revisited the Technology Acceptance Model with E-Trust for Peer-to-Peer Lending in Indonesia (Perspective from Fintech Users)

Candra¹,

Nuruttarwiyah²,

Hapsari³

2020

IJTech

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The rapid increase in the number of fintech companies in Indonesia in the past three years has attracted the attention of many stakeholders, including the government, investors, conventional bank management, and even the general public. The phenomenon of the development of peer-topeer lending fintech companies in Indonesia is supported by the increasing demand of consumers. The research objective is to provide insight into the determinants of consumer interest in using fintech applications, using the technology acceptance model by added e-trust variables . The data analysis method used structural equation modeling with WarpPLS 6.0 software. Questionnaires were distributed to fintech consumers in Indonesia, with a total sample of 379 respondents. The results of this study indicate that the dimensions of e-trust contribute to determining the perceived usefulness, perceived ease of use, attitude to adopt peer-to-peer lending fintech services, and intention to use peer-to-peer lending applications.

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Banking goes digital: The adoption of FinTech services by German households

Cited by 220 publications

References 21 publications

Factors influencing attitudes and intention to adopt financial technology services among the end-users in Lagos State, Nigeria

Factors influencing attitudes and intention to adopt financial technology services among the end-users in Lagos State, Nigeria

Customer Experience in Fintech

Revisited the Technology Acceptance Model with E-Trust for Peer-to-Peer Lending in Indonesia (Perspective from Fintech Users)

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