Description
This study seeks to address the challenges faced by small businesses in Pakistan in accessing formal financial services by exploring the potential of Fintech solutions. To achieve this objective, data are collected from a diverse sample to identify the factors that influence the acceptance of Fintech services. The study integrates the “Unified Theory of Acceptance and Use of Technology 2 (UTAUT2)” and “Delone and McLean IS Success Models” to propose an innovative research framework. The empirical analysis confirms the significant impact of performance expectancy, effort expectancy, perceived credibility, and interface design quality on the behavioral intentions to adopt Fintech services. Additionally, the study highlights the moderating role of perceived Fintech quality in the relationship between Fintech use variables and behavioral intentions, emphasizing the importance of quality perceptions in shaping stakeholders’ attitudes and intentions. The study makes two key contributions to the ongoing debate. First, it introduces a previously unexamined dimension: interface design quality. Second, it uncovers the previously unexplored moderating effect of perceived Fintech quality on the relationship between Fintech-related factors and behavioral intention to adopt these services. The findings offer valuable insights for policymakers, researchers, academicians, and other relevant stakeholders.
Keywords: Fintech Quality, Performance Expectancy, Effort Expectancy, UTAUT2.
| Full Name (In Capital Letters) | MUHAMMAD RIZWAN ULLAH |
|---|---|
| rizwan.ullah@tuf.edu.pk | |
| Kurum / University / Affiliated Institution | THE UNIVERSITY OF FAISALABAD |
| Akademik Ünvan/ Academic Title | Other |
| Country | Pakistan |
| Telefon / Phone Number | 03336576984 |
| Katılım Tipi /Participation Types | Çevrimiçi /Online |
| Sunum Dili /What Will Be The Presentation Language? | English |
| Where Do You Want to Publish the Full Text? | I will only send summary text |
