Unified Theory of Acceptance and Use of Technology (UTAUT) Model Perspective to Enhance User Acceptance of Fintech Application

Yohanes, Kelvin; Junius, Kelvin; Saputra, Yonathan; Sari, Ratna; Lisanti, Yuliana; Luhukay, Devyano

doi:10.1109/icimtech50083.2020.9211250

Cited by 15 publications

(13 citation statements)

References 9 publications

Supporting

Mentioning

Contrasting

Order By: Relevance

“…In terms of Fintech adoption intention, the study findings reveal that performance expectancy has a positive significant impact on undergraduates' Behavioural Intention. This result is consistent with the previous studies of Tohang and Anggraeni (2021) and [ 107 ] but contradicts with [ 108 , 109 ]. Besides, effort expectancy has a positive significant impact on undergraduates' Behavioural Intention which confirms the study conducted by Refs.…”

Section: Discussionsupporting

confidence: 88%

Gravitating towards Fintech: A study on Undergraduates using extended UTAUT model

Sultana,

Chowdhury,

Haque

2023

Heliyon

View full text Add to dashboard Cite

Section: Discussionsupporting

confidence: 88%

Gravitating towards Fintech: A study on Undergraduates using extended UTAUT model

Sultana,

Chowdhury,

Haque

2023

Heliyon

View full text Add to dashboard Cite

“…Earlier literature has suggested that FC plays a significant role in behavioral intentions toward using technology [7,53,54]. Thus, FinTech service providers are required to invest more in IT infrastructure and also recommended to offer all facilitating conditions for their users such as offering help service centers to enhance users' IT skills and their ability to use FinTech applications.…”

Section: Discussionmentioning

confidence: 99%

“…Thus, FC is expected to influence users' behavioral intentions towards FinTech services directly. Empirical research has shown that FC is positively related to users' intentions toward FinTech services, e-payment systems, mobile banking, and other IS/IT [7,[52][53][54][55]. Thus, the following hypothesis is recommended: H4.…”

Section: Facilitating Conditions (Fc)mentioning

confidence: 99%

“…According to Gai et al, 2018, FinTech is "a distinguishing taxonomy that mainly describes the financial technology sectors in a wide range of operations for enterprises or organizations, which mainly addresses the improvement of the service quality by using information technology (IT) applications" [4]. There are various benefits of FinTech, for example, low-cost transaction fees, user-friendly and transparent service, enhanced service quality, and highly efficient financial solutions [5][6][7]. As such, FinTech has flourished as a result of the need to meet users' demands and of commercial organizations endeavoring to satisfy such demands and requirements [6,8].…”

Section: Introductionmentioning

confidence: 99%

See 1 more Smart Citation

Towards an Understanding of FinTech Users’ Adoption: Intention and e-Loyalty Post-COVID-19 from a Developing Country Perspective

et al. 2022

View full text Add to dashboard Cite

Earlier literature has shown that the implementation of FinTech innovations is not only determined by banks, financial institutions, or government support, but also by the perception and experiences of FinTech users. FinTech research has shown encouraging findings from scholars in developed countries. However, little is known about the users’ acceptance and use of FinTech in Jordan. The aim of this study is to investigate the determinants of users’ intentions and e-Loyalty toward FinTech adoption in Jordan post the COVID-19 era. A conceptual framework was developed by integrating the four original constructs of the unified theory of acceptance and use of technology (UTAUT), namely performance expectancy (PE), effort expectancy (EE), social influence (SI), and facilitating conditions (FC), with three additional factors: personal innovativeness (PI), financial literacy (FL), and uncertainty avoidance (UA). In addition, the proposed model considered the e-Loyalty of FinTech users as a consequence of having a good FinTech experience. A quantitative approach using a cross-sectional online questionnaire was applied to collect data from 423 FinTech users. Data were analyzed utilizing structural equation modeling (SEM) based on AMOS 26.0 software package. The findings revealed that UA has a moderating effect on the relationship between FC and users’ intentions. Also, PI has a significant impact on PE and EE. While PE, SI, and FC are factors that enhance behavioral intentions. In return, it builds users’ e-Loyalty toward FinTech services and is deemed a new normal behavior. This study may help FinTech service providers and policymakers better understand the, currently relatively low, usage rate of FinTech, and how it contributes to the development of strategies that boost the acceptance and e-Loyalty of FinTech by Jordanian users after the COVID-19 era, where FinTech is still considered an innovation.

show abstract

“…Mehrban et al, 35 Yohanes et al, 59 Paul and Sadath, 64 Davis et al, 83 Bernards, 85 Miwa and Matsui 113 (continued)…”

Section: Sensitive Problemsmentioning

confidence: 99%

Utilizing the collective wisdom of fintech in the gcc region: A systematic mapping approach

Khan

Nazir

2022

Measurement and Control

View full text Add to dashboard Cite

Globally, with the maturity of information technology, society is now in the information age, magnifying the significance of integrating innovative applications in different financial and other regulatory arenas. The emergence of financial technology (FinTech) based applications has transformed the traditional banking and regulatory systems and enhanced customer satisfaction by providing a balanced environment for protecting its customers from risky behavior or other potential disruptions. Besides these critical applications of FinTech in the financial industry, it is not developed in the Gulf Cooperation Council (GCC) region as in China, United States, and other developed countries. In order to bridge the gaps in the extant by identifying the critical factors involved, this research work presents a systematic analysis of the available literature reported during the period ranging from 2016 to 2021. This systematic mapping of the extant was performed by selecting five different research questions. The key objectives of this systematic research work are, (1) To identify the barriers that restrict the rise of FinTech in the GCC region, (2) Analyze the behavior of different communities regarding the adaptation of FinTech by evaluating the case studies reported, (3) the impacts of FinTech on different communities in the GCC region. (4) The findings of this research work will not only help the state development bodies by encouraging its stakeholders to use FinTech-driven applications in banking, markets, etc. but it will also help the people in maintaining long-term connection with the Ministries of Foreign Affairs, the Dutch regulators, Economic Affairs, the Dutch Central Bank (DNB), as well as with the Authority on Financial Markets (AFM), and (5) this study work will present new research directions for the research community to explore in the near future.

show abstract

Unified Theory of Acceptance and Use of Technology (UTAUT) Model Perspective to Enhance User Acceptance of Fintech Application

Cited by 15 publications

References 9 publications

Gravitating towards Fintech: A study on Undergraduates using extended UTAUT model

Gravitating towards Fintech: A study on Undergraduates using extended UTAUT model

Towards an Understanding of FinTech Users’ Adoption: Intention and e-Loyalty Post-COVID-19 from a Developing Country Perspective

Utilizing the collective wisdom of fintech in the gcc region: A systematic mapping approach

Contact Info

Product

Resources

About