Determining FinTech User Behaviour and Intention in SAARC Countries Through Theory of Planned Behaviour Perspective

With increased worries about issues in digital financial services, there is a growing need to find long-term solutions targeted at reducing negative effects on clients. In response, FinTech enterprises throughout the world are progressively adopting digital banking solutions. This study seeks to give a complete and systematic examination of financial digital stewardship and its impact on user behaviour among FinTech customers, with the purpose of outlining a research agenda for future studies. The study used Partial Least Squares Structural Equation Modelling (PLS-SEM) analysed with Smart-PLS 4 software to investigate the interrelationships between various factors influencing FinTech User Intention (FUI), drawing on an adapted version of the Theory of Planned Behaviour (Ajzen, 1991) and insights into consumer behaviour when adopting FinTech apps for digital financial services. The findings demonstrated the importance of FinTech’s adherence to financial digital stewardship standards in recruiting clients. Several significant positive determinants of FinTech app adoption were identified, including social influence, performance expectations, customer persistence intents, and behavioural tendencies.