巴基斯坦消费者对金融技术使用的创新性和接受度:UTAUT模式的扩展

IF 2.1 Q2 INFORMATION SCIENCE & LIBRARY SCIENCE
I. Shaikh, Hanudin Amin
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引用次数: 2

摘要

目的运用技术接受与使用统一理论(UTAUT)模型,考察影响银行客户接受金融科技的因素。设计/方法/方法进行了调查,并使用了判断性抽样方法。此外,还从银行账户持有人那里收集了200多份回复。此外,还回顾了使用UTAUT模型影响个人接受金融科技的因素的文献,以努力促进预测接受金融科技服务的重要因素。研究结果显示,绩效预期和努力预期是决定接受金融科技服务的主要因素。此外,消费者的创新性在银行用户接受金融科技方面发挥着重要作用。相比之下,社会影响和便利条件并不是巴基斯坦接受金融科技的决定因素。研究的局限性/含义本研究不仅有助于理论扩展,也有助于实践意义,这将有利于巴基斯坦的金融科技服务提供商社区。实际含义本研究的局限性有两个,但不限于,首先,在巴基斯坦的银行客户中进行的调查,将其贡献局限于缩小的巴基斯坦视角。此外,本研究还考虑了其对UTAUT使用的贡献,其中所检查的因素是特定的,这可能说明研究结果的概括仅包括UTAUT发挥作用的FinTech。这项研究让UTAUT和金融科技的合并视角大开眼界。原始性/价值UTAUT是在金融科技的背景下扩展的。消费者的创新性被纳入UTAUT模式的背景中。消费者的创新性还有待测试,因此这项研究对学者、政策制定者和未来的研究人员来说是一个有用的参考。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Consumers’ innovativeness and acceptance towards use of financial technology in Pakistan: extension of the UTAUT model
Purpose This paper aims to examine the factors that influence bank customers’ acceptance towards FinTech using the unified theory of acceptance and use of technology (UTAUT) model. Design/methodology/approach A survey was carried out, and a judgemental sampling method was used. Moreover, over 200 responses were gathered from individuals that were bank account holders. Besides, the literature on the factors that influence an individual acceptance towards FinTech using the UTAUT model was also reviewed as an effort to contribute towards the factors that are significant in predicting the acceptance of FinTech services. Findings The results of the study revealed that performance expectancy and effort expectancy are the main factors in determining the acceptance of FinTech services. Moreover, consumer innovativeness plays an important role in the acceptance of FinTech by bank users. In contrast, social influence and facilitating conditions were not the determinants of FinTech acceptance in Pakistan. Research limitations/implications This study not only contributed to the theoretical extensions but also to practical implications, which would benefit the community of FinTech service providers in Pakistan. Practical implications The limitations of this study were two but are not limited to, firstly, the respondents which were taken among bank customers in Pakistan, confining its contribution to the narrowed perspective of Pakistan. Besides, this study also considers its contributions towards the use of the UTAUT in which the factors examined were specific, which may elucidate that the generalization of the findings only includes FinTech, where the UTAUT comes into play. This study is an eye-opener for the merging perspective of both the UTAUT and FinTech. Originality/value UTAUT is extended in the context of FinTech. Consumer innovativeness is incorporated in the context of the UTAUT model. Consumer innovativeness is yet to be tested and for that this study is a useful reference for academicians, policymakers and future researchers.
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来源期刊
Information Discovery and Delivery
Information Discovery and Delivery INFORMATION SCIENCE & LIBRARY SCIENCE-
CiteScore
5.40
自引率
4.80%
发文量
21
期刊介绍: Information Discovery and Delivery covers information discovery and access for digital information researchers. This includes educators, knowledge professionals in education and cultural organisations, knowledge managers in media, health care and government, as well as librarians. The journal publishes research and practice which explores the digital information supply chain ie transport, flows, tracking, exchange and sharing, including within and between libraries. It is also interested in digital information capture, packaging and storage by ‘collectors’ of all kinds. Information is widely defined, including but not limited to: Records, Documents, Learning objects, Visual and sound files, Data and metadata and , User-generated content.
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