Entrepreneurial Orientation and Technology Adoption as Predictors of Sustainable Entrepreneurship Values in Fintech Organizations

The primary objectives of this paper are to examine if Entrepreneurial Orientation (EO) and technology adoption (TA) can predict Sustainable Entrepreneurship Values (SEV) among Malaysian Fintech organizations. A survey was self-administered to 294 organisations involved in payment, e-wallet, prop-tech, digital bank, blockchain, cryptocurrency, remittance, AI/data, marketplace, crowdfunding, insurtech, wealthtech, Know Your Customer (KYC), and reg-tech services offerings. Partial Least Square Structural Equation Modelling is used to analyze 121 responses. The results show that EO has a positive and significant relationship with SEV. TA, also does moderate the relationship between EO and SEV. This paper contributed to developing the extended Technology Acceptance Model and Resource-Based Theory. The SEV model explains the leadership concern for socio-economy, environment, and values by creating a game changer for Islamic digital transformation that enables micro and small enterprises to access faster socio-economic well-being and financial health.