Articlediamond2021

FinTech Services and Factors Determining the Expected Benefits of Users: Evidence in Romania for Millennials and Generation Z

Octavian Dospinescu · Nicoleta Dospinescu · Daniela Tatiana Agheorghiesei

44 citations0/0 files storedE+M Ekonomie a Management

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FinTech, Crowdfunding, Digital Finance Technology Adoption and User Behaviour Digital Transformation in Financial Services

Abstract

The purpose of this research is to define the level of significance for various indicators that influence the degree of consumer satisfaction regarding the use of FinTech technologies and services. The most important factors that influence the level of satisfaction when using FinTech services were considered: comfort and ease of use, legal regulations, ease of account opening, mobile payments features, crowdfunding options, international money transfers features, reduced costs associated with transactions, peer-to-peer lending, insurances options, online brokerage, cryptocoins options and exchange options. The study was conducted on a sample of 162 respondents, persons belonging to the Millennials and Generation Z generations. The values of the indicators for different categories of users of FinTech services and different categories of generations can be determined based on the statistical tests performed and the results obtained from the regression analysis. The values of the indicators are the basic elements for determining the regression model that will help the FinTech service vendors to make personalized decisions for each category of users so that the level of customer satisfaction is maximized. The study carried out within the present article is the first of its kind for Romania, because up to this moment in the specialized literature there are no such studies for Eastern Europe. The research we conducted aims to fill the gap existing in the literature and responds to the expectations and needs of stakeholders in the FinTechs’ business area. The results of the article are relevant to both stakeholders and the scientific community that is concerned about the impact of FinTech technologies.

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References

1989Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology 2011Making sense of Cronbach's alpha 2018On the Fintech Revolution: Interpreting the Forces of Innovation, Disruption, and Transformation in Financial Services 2018Impact of digital finance on financial inclusion and stability 2018Fintech, regulatory arbitrage, and the rise of shadow banks 2017Fintech: Ecosystem, business models, investment decisions, and challenges 2015The Evolution of Fintech: A New Post-Crisis Paradigm?2018The emergence of the global fintech market: economic and technological determinants

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