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Abstract This study addresses the challenges of accessibility to financial technology (FinTech) services in emerging markets, focusing on Palestine. The purpose is to examine the determinants influencing access to and usage of FinTech services in this context, amidst the unprecedented disruptions faced by the conventional financial system due to decentralization and the removal of physical barriers in the dynamic landscape of FinTech. The study employs a robust multinomial Generalized Linear Model regression analysis. The analysis is based on a nationally representative secondary survey dataset on financial inclusion from the year 2022. Theory of Planned Behavior (TPB) is utilized to dissect the factors influencing FinTech usage, adding a distinctive layer to existing literature, particularly within the specific context of a developing country like Palestine. The study reveals significant insights into the challenges of financial inclusion in Palestine. Economic conditions and individual income levels emerge as formidable obstacles impacting both the accessibility and utilization of FinTech services. These factors intertwine with motivational and attitudinal behaviors among the surveyed population, that individual motivation plays a more potent role than attitude in steering the decision-making process surrounding FinTech adoption. This study introduces original contributions to the existing literature by applying TPB to dissect the determinants of FinTech usage within the specific context of a developing country, Palestine. The study explores the intricate interplay between economic conditions, individual income levels, motivational factors, and attitudinal behaviors in shaping FinTech access and usage.
Nojoud Habash (Wed,) studied this question.
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