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Copernican Journal of Finance & Accounting

FACTORS AFFECTING THE ADOPTION OF FINTECH: A STUDY BASED ON THE FINANCIAL INSTITUTIONS IN BANGLADESH
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  • FACTORS AFFECTING THE ADOPTION OF FINTECH: A STUDY BASED ON THE FINANCIAL INSTITUTIONS IN BANGLADESH
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FACTORS AFFECTING THE ADOPTION OF FINTECH: A STUDY BASED ON THE FINANCIAL INSTITUTIONS IN BANGLADESH

Authors

  • Nasima Khatun East West University https://orcid.org/0000-0002-8418-6783
  • Marzia Tamanna East West University https://orcid.org/0000-0001-5989-0640

DOI:

https://doi.org/10.12775/CJFA.2020.021

Keywords

fintech, UTAUT, SEM, FIs, Bangladesh

Abstract

Financial technology (Fintech) refers to software and other modern technologies to provide automated and improved financial services. We surveyed to examine the factors influencing the adoption of Fintech in the financial institutions of Bangladesh with the help of the Unified Theory of Acceptance and Use of Technology (UTAUT) model and selected eight influencing factors. Before collecting data, a well-structured face-to-face survey was arranged. Structural Equation Modeling (SEM) with Generalized Least Squares method has been used to analyze the primary data gathered from 265 employees. The results verified that effort expectancy, social influence, facilitating condition, perceived reliability, added value positively influence the behavior intention to adopt Fintech. Additionally, the age of the respondents has a significant moderating effect on almost all the factors on Fintech adoption.

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Copernican Journal of Finance & Accounting

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Published

2021-06-11

How to Cite

1.
KHATUN, Nasima and TAMANNA, Marzia. FACTORS AFFECTING THE ADOPTION OF FINTECH: A STUDY BASED ON THE FINANCIAL INSTITUTIONS IN BANGLADESH. Copernican Journal of Finance & Accounting. Online. 11 June 2021. Vol. 9, no. 4, pp. 51-75. [Accessed 7 July 2025]. DOI 10.12775/CJFA.2020.021.
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