Examining the factors influencing fintech adoption behaviour of gen Y in India

Aggarwal, Meghna; Nayak, Keyurkumar M; Bhatt, Viral

doi:10.1080/23322039.2023.2197699

Cited by 14 publications

(8 citation statements)

References 78 publications

Supporting

Mentioning

Contrasting

Order By: Relevance

“…Similarly, is it crucial to study if there is any impact of gender and education on the adoption behavior of Fintech. According to a study, age and gender do have an impact on FA (Aggarwal et al, 2023), on contrary to this research a researcher revealed that gender and education have no significant impact on FA (Ahmad & Yahaya, 2023;Sakhare et al, 2023). How Perceived benefit can impact FA and in turn, sustainable growth will be studied in hypotheses H7, H8, and H9.…”

Section: Hypothesesmentioning

confidence: 61%

“…A study revealed that the use of Fintech is more common among the literate population as compared to illiterate people or the ones with lesser formal education (Aggarwal et al, 2023). On the other hand, a study by Ahmad and Yahaya (2023), showed contradictory results concluding that people can use fintech equally in Malaysia regardless of their educational background because facilities like mobile banking, are easy to use and userfriendly, which allow their convenient usage.…”

Section: Gender and Educationmentioning

confidence: 99%

See 1 more Smart Citation

Fintech Adoption and its Impact on Sustainability: Risk Benefit Analysis of an Emerging Economy

Sadiq,

Baneen,

Abbas

2023

AAR

View full text Add to dashboard Cite

This study aims to analyze how the six variables, such as perceived legal risk, perceived performance risk, perceived cyber risk, perceived financial risk, perceived economic benefit, ease of use, and monetary benefit affects the adoption of financial technology, with the moderating effect of gender and education. Additionally, it explores the impact of Fintech adoption on economic, environmental, and social sustainability of Pakistan. For this purpose, a quantitative research approach has been employed by using a well-designed questionnaire. Moreover, the sample size of 312 was considered and the responses were collected through Google forms. The data collected was then analyzed using SPSS. The study’s findings revealed that the perception of the advantages of using fintech has a positive impact on its adoption. The perception of risk has a negative impact, however, this impact is much lesser than the benefits. Risk perception negatively impacts sustainability while benefits perception impacts sustainability positively. Thus, this study can provide policymakers in emerging economies with valuable insights into the perceived risks and benefits of Fintech adoption for sustainable development. This study gives insight to the practitioners and researchers on how perceived risk and benefit can impact Fintech adoption and how its adoption, in turn, impacts sustainability. The research can contribute to informed policy decisions, support the development of robust regulatory frameworks, advance knowledge, and promote inclusive growth in emerging economies.

show abstract

Section: Hypothesesmentioning

confidence: 61%

Section: Gender and Educationmentioning

confidence: 99%

Fintech Adoption and its Impact on Sustainability: Risk Benefit Analysis of an Emerging Economy

Sadiq,

Baneen,

Abbas

2023

AAR

View full text Add to dashboard Cite

show abstract

“…Banks should pay attention to customers who avoid digital or online services and find appropriate consumer channels for them. The relationship of Generation Y with fintech services was scrutinised by Aggarwal et al (2023), who reported that the quality of information has the greatest influence on young people which they define as the generation Y when making financial decisions. Li et al (2022) compared investor behaviour before and after the advent of mobile investing and noted that mobile trading affects herd behaviour and the dispersion of equity returns.…”

Section: Human Behaviourmentioning

confidence: 99%

An exploratory review of the fintech influence field

Maknickienė,

Lapkovskaja

2024

J. Infras. Policy. Dev.

View full text Add to dashboard Cite

Fintech as a three-dimensional phenomenon reflects the rapidly changing technological, financial and business environment. The bibliometric analysis of scientific articles allowed us to identify the main themes and create a map of the field of fintech influences. Systematization of scientific articles revealed the influence of economic development and socio-demographic inequality on fintech development. Government regulatory policies can accelerate the digitisation of financial services and financial inclusion and help the fintech sector face geopolitical challenges. Fintech’s impact was divided into three areas: financial stability and sustainable development, the business ecosystem and human behaviour. The research we summarised allowed us to identify the mechanisms through which fintech influences various fields. A complex approach to the influence of fintech enables us to understand the phenomenon and make better decisions.

show abstract

“…Gerlach and Lutz (2021) [3] found Perceived benefit and perceived risk from fintech use significantly explain fintech adoption rates in a sample of 600 respondents and indicated that Perceived benefit was affected by performance expectancy, economic benefits, and hedonic motivation. Meghna Aggarwal, Keyurkumar M Nayak & Viral Bhatt (2023) [6] conducted a study to inquire into the fintech adoption behaviour of India's GenY population. The study confirms the application of the theory of planned behaviour for the effective implementation of fintech in India.…”

Section: Literature Review and Research Gapmentioning

confidence: 99%

Exploring fintech adoption factors and their impact on satisfaction with respect to fintech solutions among woman users in Chennai

Lakshmi,

Rani

2024

Int. J. Res. Marketing Manage. Sales

View full text Add to dashboard Cite

In recent years, the financial landscape has undergone a significant transformation with the advent of Financial Technology (Fintech) solutions. These technological innovations have not only revolutionized traditional financial services but have also introduced novel avenues for individuals to manage their finances efficiently and conveniently. Among the diverse user base of Fintech solutions, women users, particularly in urban areas like Chennai, have emerged as a significant demographic and understanding the factors influencing the adoption of Fintech solutions among women users is essential for various stakeholders, including financial service providers, policymakers, and researchers. This research aims to explore the various factors that influencing the adoption of Fintech Solutions (Payments, etc.) and their impact on satisfaction among women users in Chennai. This study employs an exploratory approach, utilizing a mixed research methodology that combines qualitative and quantitative methods. The focus is on the user population of fintech solutions such as digital/mobile wallets, digital banking, etc., with a sample of 150 Woman users in Chennai selected through convenience sampling. The researcher employs descriptive and inferential statistical techniques to analyze the data. The study found that Married woman users have more perception on the various fintech adoption factors than Unmarried woman users. "Perceived Usefulness" has strong influence and "Trustworthiness" has weaker influence on Satisfaction of woman users with respect to fintech solutions. Fintech adoption factors have strong positive relationship with Satisfaction of woman users on fintech solutions. It is suggested that Fintech companies should prioritize transparency, security, and ethical practices across all aspects of their operations and should focus on continuously enhancing the functionality, usability, and relevance of their products and services to meet the evolving needs and expectations of women users.

show abstract

Examining the factors influencing fintech adoption behaviour of gen Y in India

Cited by 14 publications

References 78 publications

Fintech Adoption and its Impact on Sustainability: Risk Benefit Analysis of an Emerging Economy

Fintech Adoption and its Impact on Sustainability: Risk Benefit Analysis of an Emerging Economy

An exploratory review of the fintech influence field

Exploring fintech adoption factors and their impact on satisfaction with respect to fintech solutions among woman users in Chennai

Contact Info

Product

Resources

About