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

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