Work

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

Year: 2025

Type: article

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 TAM, 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.

Source: Sustainable Futures

DOI: 10.1016/j.sftr.2025.100885

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

Institutions: Universiti Putra Malaysia, University of South Asia, University of Chittagong, Comilla University, Khulna University, University of Greenwich, University of Rajshahi

Language: English

Topic: Technology Adoption and User Behaviour

Subfield: Information Systems and Management

Field: Decision Sciences

Domain: Social Sciences

Open Access status: gold

Estimated APC paid: $2,340

OpenAlex ID: W4411461231

FWCI: 21.22

Cites: 136

Cited by: 21

Related to: 10