Factors Influencing FinTech Continuous Use: Systematic Literature Review and Expert Validation

Maina Mohammed Geidam · Rohail Hassan

4 citations0/0 files storedContemporary Management Research

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

Abstract

This study aims to identify the key factors contributing to the continuous intention to use FinTech. FinTech is an innovative technology that has disrupted traditional financial industries by automating and improving financial products and services; this includes a wide range of facilities such as mobile banking, digital payments, crowdfunding, and cryptocurrency, providing customers with more options and convenience in accessing financial services. However, despite its significant growth and customer adoption, it is still being determined whether the continuous intention to use FinTech will attract enough customers to sustain its growth. However, to address this issue, a Systematic Literature Review (SLR) and an expert verification method were utilized to identify 25 primary studies related to continuous intention to use FinTech, published in Web of Science and Scopus databases between 2012 and 2022. The study found 12 relevant factors influencing the continuous intention to use FinTech: technological factors (perceived usefulness, perceived ease of use), perceived benefit (Economic benefit, seamless transaction, and convenience), perceived risks (financial risk, legal risk, operational risk, security risk) trust, continuous intention and environmental (government regulation). The studies are underpinned by the Technological Acceptance Model (TAM), the Theory of Reasoned Action (TRA), and Institutional Theory (IT). The research offers a novel understanding of the factors influencing customers' continuous intention to use FinTech and presents a multidimensional framework to guide managers and customers in its utilization. The study employed a one-sample t-test to assess the mean and significance of observed differences or relationships and validate expert evaluations' results. Future research could utilize meta-analysis to strengthen these findings further.

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1989Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology 1983The Iron Cage Revisited: Institutional Isomorphism and Collective Rationality in Organizational Fields 2003Research Methods for Business Students 2007Research Methods for Business 2007A trust-based consumer decision-making model in electronic commerce: The role of trust, perceived risk, and their antecedents 2017Guidance on Conducting a Systematic Literature Review 1992A Comparison of the Theory of Planned Behavior and the Theory of Reasoned Action 2018On the Fintech Revolution: Interpreting the Forces of Innovation, Disruption, and Transformation in Financial Services

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