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This study aims to assess why users are willing/hesitant to continue using FinTech services based on their perceived benefits and risks pertaining to the use of FinTech technology. Data was collected, using an adopted survey instrument, from bankers based in Bahrain, the financial and FinTech hub of the Middle East. Data analysis was applied to assess the reliability and validity of this study’s conceptual model along with its nine hypotheses with 374 valid responses subsequently being analysed using multiple regression via SPSS version 23. The empirical findings of this study supported all the hypotheses, revealing that both perceived benefit and risks affect the intent to continue using FinTech. Perceived benefit has a stronger effect than the perceived risk, and convenience perceived most beneficial while financial risk perceived riskiest for using FinTech technology by the bankers of Bahrain.
Razzaque et al. (Sun,) studied this question.