Bridging the Digital Divide: Unraveling the Determinants of FinTech Adoption in Rural Communities

Guo Qin Wu · Qinglin Peng

34 citations0/0 files storedSAGE Open

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

Bridging the digital divide between urban and rural communities is critical for expanding financial inclusion. The purpose of this study is to understand the key factors driving the adoption of financial technology (FinTech) applications among rural residents. A conceptual framework is built on the basis of the technology acceptance model, along with the incorporation of innovation awareness and financial awareness. The relationships between factors are empirically validated using a structural equation modeling approach based on survey data from a sample of 386 respondents in rural communities. The results indicate that perceived usefulness, perceived ease of use, innovation awareness, and financial awareness can positively and significantly affect the intention to adopt FinTech applications. In addition, perceived usefulness mediates the relationship between perceived ease of use and behavioral intention. Practical implications for promoting FinTech adoption in rural areas are discussed.

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 — 34 citations exist upstream.

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 2018When to use and how to report the results of PLS-SEM 2008Technology Acceptance Model 3 and a Research Agenda on Interventions 2000Determinants of Perceived Ease of Use: Integrating Control, Intrinsic Motivation, and Emotion into the Technology Acceptance Model 2002Why do people use information technology? A critical review of the technology acceptance model 2013Sample Size Requirements for Structural Equation Models

Cited by

2025Factors Influencing the Adoption of FinTech for the Enhancement of Financial Inclusion in Rural India Using a Mixed Methods Approach 2025Dependable and Secure AI-Driven FinTech Adoption for Rural Tourism & Entrepreneurship in Odisha: A Cyber-Physical Systems Perspective 2025Financial technology (Fintech) innovation and financial inclusion: comparative study of urban and rural consumers post-Covid-19 pandemic 2026Understanding FinTech Adoption Drivers for Digital Financial Sustainability in Urban and Rural MSMEs

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.