User Insights On Fintech Adoption In Pakistan's Banking Sector: The Moderating Role Of Perceived Risk
DOI:
https://doi.org/10.63278/mme.vi.1928Keywords:
Intention to Adopt FinTech; Perceived Usefulness, Social Influence, Trust, Perceived Ease of Use, Financial Literacy, Facilitating Conditions; Technology Acceptance Model (TAM)Abstract
This analysis scrutinizes the dynamics motivating how Fintech administrations are received in Pakistan, focusing on perceived usefulness, social influence, trust, perceived ease of use, financial literacy, facilitating conditions, fintech usage intention, and the moderating role of perceived risk. Through a Google Structure survey, data from 370 customers of Fintech services in Pakistan was collected, and Brilliant PLS 4.0 was used for analysis. According to the review, perceived ease of use, convenience, and trust all have an impact on the goals of Fintech use and the resulting behavior, particularly among Gen Z and those aged 20 to 30. Client characteristics such as age and orientation have little effect. However, the relationship between saw convenience and intention to use is strengthened by training level, especially postgraduate degree. The results provide valuable insights into Pakistan's Fintech industry and provide possible avenues for further investigation. Restricting its scope to Fintech Reception in Pakistan, the evaluation suggests prolonging the period for more examination. Future study is advised to widen the review extension to cover additional fintech kinds, broaden the geographical inclusion for various outcomes, and include a greater range of respondents' ages and educational levels for a more thorough understanding of fintech reception.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Muhammad Ali Qazi, Dr. Samia Jamshed, Usman Arshad
This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their published articles online (e.g., in institutional repositories or on their website, social networks like ResearchGate or Academia), as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
Except where otherwise noted, the content on this site is licensed under a Creative Commons Attribution 4.0 International License.
According to the 