{"title":"沙特阿拉伯消费者对金融科技支付应用的持续使用和满意度:走向综合模式","authors":"Salma S. Abed, Rotana S. Alkadi","doi":"10.1108/jfra-12-2023-0759","DOIUrl":null,"url":null,"abstract":"Purpose\nThe purpose of this paper is to examine the factors that influence Saudi Arabian users’ intentions to continue using fintech payment applications and their satisfaction with these applications.\n\nDesign/methodology/approach\nThe unified theory of acceptance and use of technology 2 and DeLone and McLean’s IS success model were integrated to provide a comprehensive framework. A questionnaire was distributed to 401 users of fintech payment applications, and the data collected was analysed using structural equation modelling to test the hypotheses.\n\nFindings\nThe results reveal that factors such as social influence, price value and habit have a positive influence on the continued desire to use fintech payment applications, that the performance expectancy is positively influenced by the level of effort expectancy. Additionally, the quality of the system, service and information provided by the applications has a direct association with user satisfaction, as indicated by the IS Success Model. Moreover, it was observed that customer satisfaction with fintech payment applications positively affects their intention to continue using them.\n\nOriginality/value\nThis study addresses an important gap in the existing literature by examining the factors influencing Saudi Arabian consumers’ intentions to sustain the usage of fintech payment applications. Despite governmental support for the industry, understanding consumer behaviour and satisfaction with these applications remains limited, making this research timely and valuable.\n","PeriodicalId":15826,"journal":{"name":"Journal of Financial Reporting and Accounting","volume":null,"pages":null},"PeriodicalIF":3.3000,"publicationDate":"2024-07-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"Consumer continuous use of and satisfaction with Fintech payment applications in Saudi Arabia: towards an integrated model\",\"authors\":\"Salma S. Abed, Rotana S. 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引用次数: 0
摘要
目的本文旨在研究影响沙特阿拉伯用户继续使用金融科技支付应用的意向及其对这些应用的满意度的因素。设计/方法/途径将技术接受和使用统一理论 2 与 DeLone 和 McLean 的 IS 成功模型相结合,提供了一个综合框架。研究结果表明,社会影响、价格价值和习惯等因素对继续使用金融科技支付应用的愿望有积极影响,性能预期受努力预期水平的积极影响。此外,如信息系统成功模型所示,应用程序提供的系统、服务和信息的质量与用户满意度有直接关系。此外,研究还发现,客户对金融科技支付应用的满意度会对他们继续使用这些应用的意愿产生积极影响。尽管政府对该行业给予了支持,但对消费者行为和对这些应用程序的满意度的了解仍然有限,因此本研究非常及时且有价值。
Consumer continuous use of and satisfaction with Fintech payment applications in Saudi Arabia: towards an integrated model
Purpose
The purpose of this paper is to examine the factors that influence Saudi Arabian users’ intentions to continue using fintech payment applications and their satisfaction with these applications.
Design/methodology/approach
The unified theory of acceptance and use of technology 2 and DeLone and McLean’s IS success model were integrated to provide a comprehensive framework. A questionnaire was distributed to 401 users of fintech payment applications, and the data collected was analysed using structural equation modelling to test the hypotheses.
Findings
The results reveal that factors such as social influence, price value and habit have a positive influence on the continued desire to use fintech payment applications, that the performance expectancy is positively influenced by the level of effort expectancy. Additionally, the quality of the system, service and information provided by the applications has a direct association with user satisfaction, as indicated by the IS Success Model. Moreover, it was observed that customer satisfaction with fintech payment applications positively affects their intention to continue using them.
Originality/value
This study addresses an important gap in the existing literature by examining the factors influencing Saudi Arabian consumers’ intentions to sustain the usage of fintech payment applications. Despite governmental support for the industry, understanding consumer behaviour and satisfaction with these applications remains limited, making this research timely and valuable.