Assessment of Bank Customer’s Attitude Toward Financial Technology in Pakistan

• 발행기관: 한국유통과학회
• 저자명: Muhammad MUSTAFA Hassan Daud BUTT Md Nazirul Islam SARKER Maria GHANI
• 간행물 정보: 『The Journal of Asian Finance, Economics and Business(JAFEB)』Vol. 8 No.7, 545~556쪽, 전체 12쪽
• 주제분류: 경제경영 > 경제학
• 파일형태: PDF
• 발행일자: 2021.07.30

영문 초록

The financial technology sector is now growing rapidly all over the world, and it has improved the banking system efficiency and customer experience. This research study attempts explicitly to explore the consumer acceptance attitude of FinTech and its products in Pakistan. Technology Acceptance Model was used to assess the entire variable associated with the consumer attitude to adopt new technology. Based on a survey conducted from Pakistan data and by employing the multiple regression analysis, this study proves that the risk involved in FinTech products and services results in less usage of financial technology. The findings of the study also show that the risk should be reduced if banks and other institutes that are involved in financial transactions online must provide security. Moreover, customers are not willing to pay an extra amount for using financial technology. It argues that usefulness helps to change the attitude of banking customers to use financial technology. The attitudes of the customers have a positive relationship with the adoption of financial technology. These results also help guide financial institutions to enhance the adoption of FinTech products. User attitudes must be changed by providing users with more security, less risky applications, and cost-effective products.

목차

1. Introduction

2. Literature Review

3. Theoretical Model and Research Hypotheses

4. Results and Discussion

5. Hypothesis Testing

6. Conclusion

키워드

Technology Adoption Financial Technology Consumer Attitude Technology Acceptance Model Electronic Banking