Customer Usage Behavior of FinTech Products in Sultanate of Oman

Iman Al Rubaiai · Shanmuga Pria

19 citations0/0 files storedInternational Journal of Research in Entrepreneurship and Business Studies

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

Abstract

Purpose: The objective of this research paper is to analyze the constructs behind the FinTech usage behavior and which factors contribute to the new financial technologies and to what extent demographic profiles affect FinTech adoption in Oman and analyze the factors that contribute to new business models of financial institutions from the adoption of convergent technologies in FinTech. Design/methodology/approach: This paper provides a comprehensive literature review focused on scholarly and practitioner experiences with FinTech practices in an Omani institutional environment. A total of 250 questionnaires were collected in Oman. The study was carried out using descriptive statistics and regression analysis. Findings: There is a positive and significant relationship between all the variables – Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Conditions, Hedonic Motivation, Habit, Perceived risk, and Trust have a positive and significant relationship with Behavioural Intention to adopt FinTech. Social Influence posited the strongest influence on the customers in the form of societal pressures to adopt change, followed by Effort Expectancy wherein there is no need for the financial knowledge of the process of the new system towards carrying out banking transactions. Research limitations/implications: It was recommended that the finding of the study should be introduced so that the stakeholders of FinTech products can enrich the consumer intention in adopting FinTech. Social Implications: The study helps in making proper decision-making towards ease of banking transactions. The study also will help the retail managers in to improve the process so that the customer accepts such financial technologies. Originality / Value: This paper is the first study of its kind to report the status of FinTech adoption in Oman. Keywords: FinTech, Technology Acceptance Model, Unified Theory of Acceptance and Use of Technology, Usage of Fintech, Intention to use FinTech.

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References

1991The theory of planned behavior 1989Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology 2003User Acceptance of Information Technology: Toward A Unified View1 2000A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies 1995Decomposition and crossover effects in the theory of planned behavior: A study of consumer adoption intentions 2000A Longitudinal Field Investigation of Gender Differences in Individual Technology Adoption Decision-Making Processes 2019Adoption Intention of Fintech Services for Bank Users: An Empirical Examination with an Extended Technology Acceptance Model 2017Examining factors influencing Jordanian customers’ intentions and adoption of internet banking: Extending UTAUT2 with risk

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