Measuring the influence of FinTech innovation towards consumers’ attitude: Moderating role of perceived usefulness

IF 4.9 2区社会学 Q2 ENVIRONMENTAL SCIENCES

Sustainable Futures Pub Date : 2025-06-19 DOI:10.1016/j.sftr.2025.100885

Mohammad Abdullah Al Mamun , Tipon Tanchangya , Md Abidur Rahman , Md. Mehedi Hasan , Naimul Islam , Bony Yeamin

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引用次数: 0

Abstract

The study aims to investigate the contribution of perceived usefulness (PU) in shaping consumer attitudes towards FinTech innovations in Bangladesh. Additionally, this investigation seeks to examine the direct effect of FinTech innovation, including performance expectancy (PE), effort expectancy (EE), social influence (SI), facilitating conditions (FC), perceived financial risk (PFR), and perceived security risk (PSR) on FinTech service users’ attitudes (ATT). This inquiry integrated Technology Acceptance Model (TAM), the Unified Theory of Technology Acceptance and Use (UTAUT), and Perceived Risk Theory (PRT) to develop a theoretical framework. A convenience sampling approach is employed for data collection, and 398 respondents’ information is included. However, this research reveals that PE, EE, SI, and FC have affected ATT positively and significantly, while PFR and PSR have weaker but statistically significant impacts on ATT. This study provides insights, both theoretical and practical, for future researchers and policymakers.

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衡量金融科技创新对消费者态度的影响：感知有用性的调节作用

该研究旨在调查感知有用性（PU）在塑造孟加拉国消费者对金融科技创新的态度方面的贡献。此外，本调查旨在研究金融科技创新的直接影响，包括绩效预期（PE）、努力预期（EE）、社会影响（SI）、便利条件（FC）、感知金融风险（PFR）和感知安全风险（PSR）对金融科技服务用户态度（ATT）的影响。本研究整合了技术接受模型（TAM）、技术接受与使用统一理论（UTAUT）和感知风险理论（PRT），构建了一个理论框架。数据收集采用方便抽样的方法，共纳入398名被调查者的信息。然而，本研究表明，PE、EE、SI和FC对ATT具有显著的正向影响，而PFR和PSR对ATT的影响较弱，但具有统计学意义。本研究为未来的研究人员和政策制定者提供了理论和实践见解。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Sustainable Futures Social Sciences-Sociology and Political Science

CiteScore

9.30

自引率

1.80%

发文量

审稿时长

71 days

期刊介绍： Sustainable Futures: is a journal focused on the intersection of sustainability, environment and technology from various disciplines in social sciences, and their larger implications for corporation, government, education institutions, regions and society both at present and in the future. It provides an advanced platform for studies related to sustainability and sustainable development in society, economics, environment, and culture. The scope of the journal is broad and encourages interdisciplinary research, as well as welcoming theoretical and practical research from all methodological approaches.