What Drives Fintech Use - Modelling and Predicting Usage Behaviour

Fintech disrupts traditional financial services in terms of its mode of delivery and the magnitude of its operations. Moreover, the growing practitioner and academic interest in Fintech has added to the humongous perspectives of Fintech research. The term “financial technology” (Fintech) refers to a digital business model that serves the financial needs of people all over the world and has grown to be an integral part of the financial services industry. Although widespread, the Fintech boom is mostly uncontrolled, necessitating a cautious approach to its applications and advantages. The paper proposes a model to estimate Fintech usage by customers and tries to assess the model’s predictive ability through PLS-SEM. The current research addresses the theoretical gap in Fintech usage behaviour and highlights the managerial implications of assessing and predicting Fintech use. The research endeavour aims to contribute to existing scholarly discussions but also lay the groundwork for further investigation into the intricacies of Fintech usage behaviour.