Technology Acceptance of Financial Technology (Fintech) for Payment Services Among Employed Fresh Graduates

Shamsurin Ahmad · Sharina Tajul Urus · Sharifah Nazatul Faiza Syed Mustapha Nazri

27 citations0/0 files storedAsia-Pacific Management Accounting Journal

No readable copy stored yet — this record is metadata only.

No open-access location is known for this record yet.

Literature note Cite in a project Citation map

Technology Adoption and User Behaviour FinTech, Crowdfunding, Digital Finance Health, Technology, Consumer Behavior

Abstract

The Fourth Industrial Revolution (IR 4.0), which is complementary to the technological revolution, has given birth to Financial Technology (Fintech). Numerous advantages are offered by Fintech, yet the adoption rate is still low. This is especially from the employed fresh graduates’ perspectives that are regarded as the computer literate and IT savvy’s group. This research aims to examine the factors that affect the technology acceptance of Fintech payment services. The research attempts to measure the relationships between performance expectancy, effort expectancy, social influence, facilitating condition and consumers’ trust with the adoption of Fintech. Based upon the Unified Theory of Acceptance and Use of Technology (UTAUT), the quantitative method was employed via online survey of 179 respondents. The result showed that consumers’ trust had the highest impact on the adoption of Fintech payment services, followed by performance expectancy and effort expectancy. In contrast, facilitating conditions and social influence showed an insignificant relationship with the adoption of Fintech payment services. This finding would enhance the awareness for people to become more open towards the acceptance of Fintech for their daily transactions. Fintech companies are expected to develop into more secure services and design better products in becoming a cashless society. Keywords: UTAUT, consumers’ trust, financial technology, Fintech, Fintech payment services adoption, employed fresh graduates

Paper brief

Loading…

Cite this work

Citation unavailable for this work.

BibTeX RIS CSL-JSON

No public copy is stored for this record, so only the metadata is cited.

Citations in this library

Citation map →

Stored only when both papers are in the corpus — 27 citations exist upstream.

References

1989Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology 2003User Acceptance of Information Technology: Toward A Unified View1 1993Research methods for business: A skill building approach 2003User Acceptance of Information Technology: Toward a Unified View 2013Research methods for business : a skill-building approach 6th ed.2010Integrating TTF and UTAUT to explain mobile banking user adoption 2017Factors influencing adoption of mobile banking by Jordanian bank customers: Extending UTAUT2 with trust 2015The Evolution of Fintech: A New Post-Crisis Paradigm?

Cited by

2023Factor Influencing Continuation Intention of Using Fintech from the Users’ Perspectives: Testing of Unified Theory of Acceptance and Use of Technology (UTAUT2)2022A comparative study of fintech payment services adoption among malaysian and indonesian fresh graduates: through the lens of UTAUT theory 2025AI Powered Gamification: The New Catalyst in the Arena of Online Investment Platforms Impacting Behavioral Intentions 2025Modeling the significance of unified theory of acceptance and use of technology in predicting the intention and usage of eCNY

Explore the map →

Papers that cite the same references — the relational fallback while embeddings are still backfilling.

Imported from OpenAlex (CC0) — nothing here is generated.