What makes users willing or hesitant to use Fintech?: the moderating effect of user type
Abstract
Purpose
The purpose of this paper is to better understand why people are willing or hesitant to use Financial technology (Fintech) as well as to determine whether the effect of perceived benefits and risks of continuance intention differs depending on user types.
Design/methodology/approach
Original data were collected via a survey of 243 participants with Fintech usage experience. The partial least squares method was used to test the proposed model.
Findings
The results reveal that legal risk had the most negative effect on the Fintech continuance intention, while convenience had the strongest positive effect. Differences in specific benefit and risk impacts are found between early and late adopters.
Originality/value
This empirical study contributes to the novel understanding of the benefit and risk factors affecting the Fintech continuance intention.
Keywords
Acknowledgements
This work was supported by the Ministry of Education of the Republic of Korea and the National Research Foundation of Korea (NRF-2016S1A5A8017092) and by the Ministry of Science, ICT and Future Planning of the Republic of Korea under the National Program for Excellence in Software (R2215−16−1005) supervised by the Institute for Information and communications Technology Promotion (IITP).
Citation
Ryu, H.-S. (2018), "What makes users willing or hesitant to use Fintech?: the moderating effect of user type", Industrial Management & Data Systems, Vol. 118 No. 3, pp. 541-569. https://doi.org/10.1108/IMDS-07-2017-0325
Publisher
:Emerald Publishing Limited
Copyright © 2018, Emerald Publishing Limited