Exploring User Acceptance of Fintech Innovations: A Systematic Review of Theoretical Models and Empirical Studies

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User acceptance of fintech innovations depends heavily on perceived usefulness and ease of use, impacting widespread adoption.
The systematic review analyzed 58 studies after 2020, emphasizing the role of trust and perceived risk in fintech domains.
Utilizing methods aligned with PRISMA guidelines, the study highlights models such as the Technology Acceptance Model and its extensions.
Contributes to theoretical development by emphasizing the impact of contextual and regulatory factors on user behavior in fintech.

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Systematic review identifies factors like trust and regulatory environment affecting user acceptance in fintech innovations.

Babu et al. (2025) studied this question.

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