Explanatory model for intention to use fintech services: the perspective of brazilian consumers of generations Y and Z
DOI:
https://doi.org/10.51359/2317-0115.2020.249132Keywords:
fintech, innovation, intention to use, generations Y and ZAbstract
This study aimed to verify the influence of individual attributes related to innovation and percep-tual variables on the intention of using fintech services, by Brazilian consumers of generations Y and Z, users and non-users of these startups. After theoretical adaptation to the Brazilian context (back translation, semantic and judges’ analyzes) and adaptation of the instrument items by Chauhan, Yadav, and Choudhary (2019), 297 individuals answered it in an online survey. The theoretical model of the research was tested in the AMOS v.22 software, using the Path Analysis technique and, after few adjustments, presented 62% of explanatory power of the intention to use it. Domain of Specific Innovation influences the perception of utility and ease of use of fintechs (β = 0,51, p < 0,001 for both). Therefore, these two perception indicators are the ones that most influence the intention to use fintech services, with the explanatory contribution of Perceived Utility prevailing (β = 0,35, p < 0,001).
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