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Providing the model of accepting FinTech products and services by the customers of the country's banks
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Hossein Khazaei1   , Farshad Faezi Razi 2, Younes Vakil Al-Roaya3 |
1- PhD student, Department of Business Administration, Semnan Branch, Islamic Azad University, Semnan, Iran.
2- Associate Professor, Department of Industrial Management, Semnan Branch, Islamic Azad University, Semnan, Iran (corresponding author) , F.Faezi@semnaian.ac.ir
3- Associate Professor, Department of Management, Entrepreneurship, Ideation and Commercialization Research Center, Semnan Branch, Islamic Azad University, Semnan, Iran. |
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Abstract: (1527 Views) |
Nowadays, the use of Fintech or innovative application of technology in providing financial services has become an integral part of the banking industry, and banks' cooperation with Fintech startups to transition to digital banking is no longer a choice, but a necessity. The model of acceptance of new financial technologies is presented. In the qualitative section, 77 sub-categories, 16 main categories and 10 final documents were obtained by interviewing theoretical and experimental experts by content analysis method. Then, the conceptual model of the research was designed to enter the quantitative and modeling part. In the quantitative part, using the categories identified in the conceptual model and based on the questionnaire, the model of acceptance of Finatech products and services by the customers of the country's banks was presented by structural equations (PLS). The statistical population in a small part includes the customers of banks and financial institutions that due to the unlimited statistical population, 384 people were selected as a statistical sample by Cochran's formula. The results of structural equation modeling showed that the independent variables of awareness, perceived security, efficiency, convenience and comparative advantage have a positive effect and a negative effect on attitudes toward finitech products and services. Age and experience in relation to independent variables have a positive moderating effect on attitudes toward Fintech products and services. It can be said that attitude has acted as a mediator in the relationship between independent and dependent variables.
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Article number: 11 |
| Keywords: Financial Technology Products and Services, FinTech, Customers, Banking |
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Full-Text [PDF 737 kb]
(978 Downloads)
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Article type: Promotional |
Subject:
Special
Received: 2021/07/11 | Accepted: 2021/10/2 | Published: 2022/06/19
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