Continued Acceptance of FinTech Payment Services: An Extended UTAUT Study on University Graduates of Bangladesh

Purpose: The study examines the factors influencing continued acceptance of FinTech payment services among recent university graduates in Bangladesh by extending the Unified Theory of Acceptance and Use of Technology with customer trust. Research Design: A cross-sectional survey design was employed. Data were collected from 523 university graduates in Dhaka, Chattogram, and Mymensingh through a structured questionnaire using a five-point Likert scale. PLS-SEM was used to assess the measurement and structural models. Results: The structural analysis revealed that performance expectancy, facilitating conditions, social influence, effort expectancy, and customer trust all showed positive and significant associations with continued acceptance of FinTech payment services. Among all, performance expectancy demonstrated the strongest positive association, with facilitating conditions and customer trust holding the subsequent positions. It indicates that graduates prioritize practical benefits, enabling resources, and confidence in service providers when deciding whether to continue using payment options. Effort expectancy and social influence also contributed meaningfully, although their effects were comparatively weaker. Originality/value: The study contributes to FinTech adoption and continuance literature by validating an extended UTAUT framework in Bangladesh and focusing on an important but underexamined population. The findings offer practical implications for policymakers, financial institutions, and FinTech providers.