Measuring the influence of FinTech innovation towards consumers’ attitude: Moderating role of perceived usefulness
The study aims to investigate the contribution of perceived usefulness (PU) in shaping consumer attitudes towards FinTech innovations in Bangladesh. Additionally, this investigation seeks to examine the direct effect of FinTech innovation, including performance expectancy (PE), effort expectancy (EE...
| Main Authors: | , , , , , |
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| Format: | Article |
| Language: | English |
| Published: |
Elsevier
2025
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| Online Access: | http://psasir.upm.edu.my/id/eprint/120161/ http://psasir.upm.edu.my/id/eprint/120161/1/120161.pdf |
| _version_ | 1848868127215976448 |
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| author | Al Mamun, Mohammad Abdullah Tanchangya, Tipon Rahman, Md Abidur Hasan, Md Mehedi Islam, Naimul Yeamin, Bony |
| author_facet | Al Mamun, Mohammad Abdullah Tanchangya, Tipon Rahman, Md Abidur Hasan, Md Mehedi Islam, Naimul Yeamin, Bony |
| author_sort | Al Mamun, Mohammad Abdullah |
| building | UPM Institutional Repository |
| collection | Online Access |
| description | The study aims to investigate the contribution of perceived usefulness (PU) in shaping consumer attitudes towards FinTech innovations in Bangladesh. Additionally, this investigation seeks to examine the direct effect of FinTech innovation, including performance expectancy (PE), effort expectancy (EE), social influence (SI), facilitating conditions (FC), perceived financial risk (PFR), and perceived security risk (PSR) on FinTech service users’ attitudes (ATT). This inquiry integrated Technology Acceptance Model (TAM), the Unified Theory of Technology Acceptance and Use (UTAUT), and Perceived Risk Theory (PRT) to develop a theoretical framework. A convenience sampling approach is employed for data collection, and 398 respondents’ information is included. However, this research reveals that PE, EE, SI, and FC have affected ATT positively and significantly, while PFR and PSR have weaker but statistically significant impacts on ATT. This study provides insights, both theoretical and practical, for future researchers and policymakers. |
| first_indexed | 2025-11-15T14:47:27Z |
| format | Article |
| id | upm-120161 |
| institution | Universiti Putra Malaysia |
| institution_category | Local University |
| language | English |
| last_indexed | 2025-11-15T14:47:27Z |
| publishDate | 2025 |
| publisher | Elsevier |
| recordtype | eprints |
| repository_type | Digital Repository |
| spelling | upm-1201612025-09-24T02:35:54Z http://psasir.upm.edu.my/id/eprint/120161/ Measuring the influence of FinTech innovation towards consumers’ attitude: Moderating role of perceived usefulness Al Mamun, Mohammad Abdullah Tanchangya, Tipon Rahman, Md Abidur Hasan, Md Mehedi Islam, Naimul Yeamin, Bony The study aims to investigate the contribution of perceived usefulness (PU) in shaping consumer attitudes towards FinTech innovations in Bangladesh. Additionally, this investigation seeks to examine the direct effect of FinTech innovation, including performance expectancy (PE), effort expectancy (EE), social influence (SI), facilitating conditions (FC), perceived financial risk (PFR), and perceived security risk (PSR) on FinTech service users’ attitudes (ATT). This inquiry integrated Technology Acceptance Model (TAM), the Unified Theory of Technology Acceptance and Use (UTAUT), and Perceived Risk Theory (PRT) to develop a theoretical framework. A convenience sampling approach is employed for data collection, and 398 respondents’ information is included. However, this research reveals that PE, EE, SI, and FC have affected ATT positively and significantly, while PFR and PSR have weaker but statistically significant impacts on ATT. This study provides insights, both theoretical and practical, for future researchers and policymakers. Elsevier 2025 Article PeerReviewed text en cc_by_4 http://psasir.upm.edu.my/id/eprint/120161/1/120161.pdf Al Mamun, Mohammad Abdullah and Tanchangya, Tipon and Rahman, Md Abidur and Hasan, Md Mehedi and Islam, Naimul and Yeamin, Bony (2025) Measuring the influence of FinTech innovation towards consumers’ attitude: Moderating role of perceived usefulness. Sustainable Futures, 10. art. no. 100885. pp. 1-14. ISSN 2666-1888 https://linkinghub.elsevier.com/retrieve/pii/S2666188825004502 10.1016/j.sftr.2025.100885 |
| spellingShingle | Al Mamun, Mohammad Abdullah Tanchangya, Tipon Rahman, Md Abidur Hasan, Md Mehedi Islam, Naimul Yeamin, Bony Measuring the influence of FinTech innovation towards consumers’ attitude: Moderating role of perceived usefulness |
| title | Measuring the influence of FinTech innovation towards consumers’ attitude: Moderating role of perceived usefulness |
| title_full | Measuring the influence of FinTech innovation towards consumers’ attitude: Moderating role of perceived usefulness |
| title_fullStr | Measuring the influence of FinTech innovation towards consumers’ attitude: Moderating role of perceived usefulness |
| title_full_unstemmed | Measuring the influence of FinTech innovation towards consumers’ attitude: Moderating role of perceived usefulness |
| title_short | Measuring the influence of FinTech innovation towards consumers’ attitude: Moderating role of perceived usefulness |
| title_sort | measuring the influence of fintech innovation towards consumers’ attitude: moderating role of perceived usefulness |
| url | http://psasir.upm.edu.my/id/eprint/120161/ http://psasir.upm.edu.my/id/eprint/120161/ http://psasir.upm.edu.my/id/eprint/120161/ http://psasir.upm.edu.my/id/eprint/120161/1/120161.pdf |