From traits to Intention: The mediating role of result demonstrability in remittance app adoption among Filipino migrant workers

Despite rapid fintech remittance growth, consumer-centric research on migrant workers’ psychological adoption barriers is lacking. Existing models (Technology Acceptance Model (TAM) and Unified Theory of Acceptance and Use of Technology) do not fully capture individual traits and psychological distance. We address these gaps by integrating the Technology Readiness Index (TRI) with the TAM, revealing result demonstrability as a mediator linking traits to perceptions. A partial least squares-structural equation modeling analysis of 278 Filipino migrant workers in Taiwan revealed that result demonstrability is positively affected by innovativeness and optimism and negatively affected by insecurity. Result demonstrability mediates the relationship between traits and perceived ease of use/usefulness, influencing adoption intention. Our contributions include extending the Technology Readiness (TR)-Acceptance Model with result demonstrability, using psychological distance to explain TR effects, and uncovering a nonlinear relationship between discomfort and result demonstrability. These findings suggest tailoring strategies to user needs for inclusive fintech services.