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The study explores the synergistic impact of the technology acceptance model (TAM), unified theory of acceptance and use of technology (UTAUT), and theory of planned behaviour (TBP) to understand the varying pattern of FinTech adoption in India. Through iterative discussions with the domain experts, the questionnaire developed was administered to 500 FinTech adopters employing a five-point Likert scale. The collected data was analysed through Smart PLS. The moderating effect of age on adopting FinTech services was examined using multi-group analysis (MGA). The study suggests facileness, user-friendliness, and convenience as the significant antecedent of augmenting the process of FinTech usage. The results also endorse the influence of government intentions on promoting the extent of financial innovation adoption. The study strengthens the conception of behavioural intentions to use financial technology and the rationale behind the inconsistency of FinTech adoption.
Munjal et al. (Sun,) studied this question.