Fintech Adoption in the Digital Age: A Study Using the Utaut Framework

This study investigates the factors influencing user adoption of Financial Technology (FinTech) services using the Unified Theory of Acceptance and Use of Technology (UTAUT) model. With the increasing shift towards digital financial services, understanding user perception has become essential. The research focuses on key constructs of the UTAUT model: Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Conditions to assess how they affect the intention to adopt and use FinTech platforms. The study offers practical implications for FinTech companies and policymakers, suggesting a focus on user-friendly design, awareness campaigns, and infrastructure development to boost adoption

Authors

Publication Details

Journal
International Journal of Advanced Research in Commerce Management & Social Science
Published
2025-09-26
DOI
https://doi.org/10.62823/ijarcmss/8.3(ii).7943
Primary Topic
FinTech, Crowdfunding, Digital Finance
Type
article
Field-Weighted Citation Impact
0.00
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article

Fintech Adoption in the Digital Age: A Study Using the Utaut Framework

A P Hosmani, Puranik Raghukant
International Journal of Advanced Research in Commerce Management & Social Science
FinTech, Crowdfunding, Digital Finance
article

Fintech Adoption in the Digital Age: A Study Using the Utaut Framework

A P Hosmani, Puranik Raghukant
article en

Abstract

This study investigates the factors influencing user adoption of Financial Technology (FinTech) services using the Unified Theory of Acceptance and Use of Technology (UTAUT) model. With the increasing shift towards digital financial services, understanding user perception has become essential. The research focuses on key constructs of the UTAUT model: Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Conditions to assess how they affect the intention to adopt and use FinTech platforms. The study offers practical implications for FinTech companies and policymakers, suggesting a focus on user-friendly design, awareness campaigns, and infrastructure development to boost adoption

International Journal of Advanced Research in Commerce Management & Social ScienceVol. 08(03(II))
Openalex Percentile: Top 57%
FinTech, Crowdfunding, Digital Finance
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