Year: 2025
Type: article
Study design: Observational Study
Abstract: As healthcare systems face mounting pressure to modernise payment infrastructure, fintech innovations have emerged as potential tools to improve affordability and efficiency. However, the adoption of these technologies in clinical settings remains limited. This study investigated the perceptions and resistance patterns of healthcare professionals toward Buy-Now-Pay-Later technology and blockchain in healthcare finance, using Innovation Resistance Theory as the guiding framework. Survey data collected from medical practitioners (N = 366) were analysed to identify knowledge gaps, perceived risks, and tradition-related barriers that influence adoption intent. The findings reveal that while interest in financial innovation exists, resistance is driven by institutional conservatism, regulatory uncertainty, and limited familiarity with decentralised finance systems. This research contributes to the literature by offering a theory-based explanation for why even high-potential financial tools face behavioural and structural resistance in healthcare environments.
Source: FinTech
Institutions: University of Algarve, Maastricht University
Language: English
Subfield: Information Systems
Field: Computer Science
Domain: Physical Sciences
Open Access status: gold
Estimated APC paid: $1,207
OpenAlex ID: W4411210574