Exploring the Impact of Decision Models on FinTech Adoption: An Empirical Study

The research addresses the integration of decision-making models in the usage of FinTech with emphasis on user trust, financial literacy and regulation. A positivist research approach is taken in this study and a survey that is detailed and structured and distributed to 210 respondents in Jordan with experience in FinTech was employed. Key findings showed that user trust, financial literacy, and regulation factors were important for the adoption of Fintech solutions. Regarding the factors affecting the adoption behaviour of Fintech, it was established that user trust had the most affect, whereas more literacy and a proper regulatory environment were next. This study adds a new perspective to the existing literature by developing a thorough model that accounts for the decision-making process of FinTech. Fintech providers as well as the policy makers will find this research worth reading and beneficial in facilitating the uptake of these modernized banking systems.