The Digital Shift in Finance: Examining FinTech Adoption Through PLS-SEM and fsQCA Analysis
The Digital Shift in Finance: Examining FinTech Adoption Through PLS-SEM and fsQCA Analysis
Kajal Mittal(Vivekananda Institute of Professional Studies); Sunil Kumar Gupta(South Asian University); Kamal Gupta(Maharaja Agrasen Institute of Management Studies); Sachin Kumar(NIT Hamirpur); Ashwani Kumar(Indian institute of management Rohtak)
35권 3호, 681~713쪽
초록
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.
Abstract
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.
- 발행기관:
- 한국경영정보학회
- 분류:
- 경영학