Exploring The Nexus: External Variables and Perceived Usefulness of FINTECH Services Among the Middle-Income Demographic

This research investigates the impact of external variables on the perceived usefulness of FINTECH services within the middle-income demographic. Through a quantitative approach, incorporating regression and correlation analyses, socio-economic status, technological literacy, trust, regulatory environment, age, education, and occupation are examined as key factors influencing individuals' perceptions. The results reveal statistically significant associations, highlighting the multifaceted nature of these external variables in shaping the adoption of FINTECH services. The findings contribute valuable insights for policymakers, financial institutions, and FINTECH developers seeking to tailor their strategies to the diverse needs of the middle-income segment. As the financial landscape continues to undergo digital transformation, understanding and addressing these factors are crucial for fostering inclusive and effective FINTECH adoption