Earticle

초록

영어

Due to the rapid growth of digital finance, it is important to understand the factors influencing user adoption. The current study examined how personality traits (PT) drive users towards FinTech adoption (FIA). This study employs the Big Five Personality Model to explore the antecedents of FIA. A partial modeling structural equation modeling (PLS-SEM) and fuzzy-set qualitative comparative analysis (fsQCA) methodology was used for finding out the relationship between PT and FIA. The outcomes from the analysis indicate that all the proposed variables directly and positively influence FIA. These findings have implications for FinTech service providers and academicians for their understanding of the key characteristics driving this sector. This study significantly enhances the existing literature by examining the role of PT, User Innovativeness (UI), and Financial Literacy (FL) as key drivers of FIA, offering unique and innovative insights into these determinants. Furthermore, the study provides a vigorous methodological contribution by integrating linear PLS and nonlinear fsQCA techniques.

목차

ABSTRACT
Ⅰ. Introduction
Ⅱ. Literature Review
2.1. FinTech Adoption (FIA)
2.2. Theoretical Foundation
Ⅲ. Research Model and Hypothesis
3.1. Personality Traits (PT)
3.2. User Innovativeness (UI)
3.3. Financial Literacy (FL)
3.4. Proposed Research Model
Ⅳ. Methodology
4.1. Measures
4.2. Sample and Data Collection
Ⅴ. Data Analysis and Results
5.1. PLS-SEM
5.2. Measurement Model Assessment
5.3. Structural Model Assessment
5.4. fsQCA
Ⅵ. Discussion
Ⅶ. Conclusion, Implications and Limitations
7.1. Conclusion
7.2. Implications
7.3. Limitations and Directions for Future Research

저자

• Kajal Mittal [ Assistant Professor, Vivekananda Institute of Professional Studies-TC, Delhi, India ] Corresponding Author
• Sunil Kumar Gupta [ Dean & Professor, Faculty of Management, South Asian University (An International University established by SAARC Nations), New Delhi, India ]
• Kamal Gupta [ Assistant Professor, Department of Commerce, Maharaja Agrasen Institute of Management Studies, Delhi, India ]
• Sachin Kumar [ Assistant Professor, Department of Management Studies, NIT Hamirpur, Himachal Pradesh, India ]
• Ashwani Kumar [ Associate Professor, IIM Rohtak, Haryana, India ]

참고문헌