Factors Affecting Fintech Adoption: A Systematic Literature Review
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In this article , the authors employed the systematic literature review (SLR) technique to review recent literature on fintech adoption or acceptance employing the Scopus database (2019-2022).Abstract:
The rise of financial technology (fintech) has been one of the substantial changes in the financial landscape driven by technological advancements and the global financial crisis. This paper employs the systematic literature review (SLR) technique to review recent literature on fintech adoption or acceptance employing the Scopus database (2019–2022). The final reviewed documents are sixteen journal articles published by various journals from different country contexts and theoretical backgrounds. Several inclusion criteria were used to filter those selected documents. One crucial criterion is the journal continuity in the Scopus index, which assures the quality of the published scholarly works. This criterion selection is expected to represent this paper’s novelty. The study reveals various determinants derived from the theories used by the fintech researchers. However, the Technology Acceptance Model (TAM) and the Unified Theory of Acceptance and Use of Technology (UTAUT) are the most used theoretical foundations. Additionally, trust, financial literacy, and safety are other factors developed by previous researchers and are significant determinants of fintech adoption. Besides, these results suggest that future studies on fintech adoption develop a genuine construct since fintech keeps progressing, and so does the customers’ behavior.read more
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References
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User acceptance of information technology: toward a unified view
TL;DR: The Unified Theory of Acceptance and Use of Technology (UTAUT) as mentioned in this paper is a unified model that integrates elements across the eight models, and empirically validate the unified model.
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User Acceptance of Computer Technology: A Comparison of Two Theoretical Models
TL;DR: In this article, the authors address the ability to predict peoples' computer acceptance from a measure of their intentions, and explain their intentions in terms of their attitudes, subjective norms, perceived usefulness, perceived ease of use, and related variables.
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Fintech: Ecosystem, business models, investment decisions, and challenges
In Lee,Yong Jae Shin +1 more
TL;DR: In this paper, the authors introduce a historical view of fintech and discuss the ecosystem of the Fintech sector, including business models and investment types, as well as technical and managerial challenges for both finttech startups and traditional financial institutions.