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This is a Quantitative Study study.

September 28, 2025

Fintech Adoption in the Digital Age: A Study Using the Utaut Framework

Key Points

Adoption intention is significantly influenced by performance expectancy and effort expectancy, leading to increased fintech usage.
The study indicates that facilitating conditions play a crucial role in the successful adoption of digital financial services.
Using the UTAUT framework, insights are drawn on user perceptions that affect the adoption of fintech platforms.
These findings highlight the need for user-friendly design in fintech services to enhance user adoption and satisfaction.

Abstract

This study investigates the factors influencing user adoption of Financial Technology (FinTech) services using the Unified Theory of Acceptance and Use of Technology (UTAUT) model. With the increasing shift towards digital financial services, understanding user perception has become essential. The research focuses on key constructs of the UTAUT model: Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Conditions to assess how they affect the intention to adopt and use FinTech platforms. The study offers practical implications for FinTech companies and policymakers, suggesting a focus on user-friendly design, awareness campaigns, and infrastructure development to boost adoption

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Cite This Study

Hosmani et al. (Fri,) studied this question.

synapsesocial.com/papers/68d90a0a41e1c178a14f65fa https://doi.org/https://doi.org/10.62823/ijarcmss/8.3(ii).7943

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