Analysis of the intention to use fintechs based on the adaptation of the UTAUT2 model
DOI:
https://doi.org/10.51359/2526-7884.2021.245815Keywords:
fintech, intention to use, multiple regression.Abstract
This study aimed to analyze the intention to use fintechs through variables proposed by Venkatesh, Tong and Xu (2012) and Slade et al. (2015). For this, a survey was carried out, with a non-probabilistic sample of 106 respondents. Data were analyzed using tests such as Pearson and Spearman correlation, t test and standard multiple regression, using SPSS software, version 20. As a result, only the expected performance, price value and habit affected the intention to use fintech. Thus, it is up to fintech companies to invest in improving their functionalities, in order to increase performance expectations, improve cost-benefit and influence the habit of using fintech, investing in marketing actions, giving incentives to consumers and managing their relationship with those.References
Araujo, M. V. (2018). Investimento em tecnologia nas instituições financeiras e a influência das fintechs. Dissertação (Mestrado em Economia) – Fundação Getúlio Vargas – FGV.
Arner, D. W., Barberis, J., & Buckley, R. P. (2015). The evolution of Fintech: A new post-crisis paradigm. Geo. J. Int'l L., 47, 1271.
Banco Mundial (2018). Financial inclusion on the rise, but gaps remain. Recuperado de: https://www.worldbank.org/en/news/press-release/2018/04/19/financial-inclusion-on-the-rise-but-gaps-remain-global-findex-database-shows.
Baganzi, R., & Lau, A. K. (2017). Examining trust and risk in mobile money acceptance in Uganda. Sustainability, 9(12), 2233.
Ciab Febraban (2017). Bancos x Fintechs ou Bancos e Fintechs? Recuperado de: http://www.ciab.org.br/publicacoes/edicao/66/bancos-x-fintechs-ou-bancos-e-fintechs
Cernev, A. K. (2010). Mobile banking no brasil: Eventos Críticos, Trajetória e Cenários Esperados, São Paulo-SP.
Chihimi, K. A. (2018). Fintech & The Banking Industry: Disruption or Evolution?. Dissertação (Mestrado Profissional em Gestão Internacional) – Fundação Getúlio Vargas – FGV, São Paulo.
Conexão Fintech (2017). O que é Fintech? Recuperado de: http://conexaofintech.com.br/fintech/o-que-e-fintech/
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS quarterly, 319-340.
Ferreira, C. A., Junior, P. S. P., Silva, S. W., & Portugal, N. S. (2017). Novas evoluções do mercado de crédito: Uma análise sobre as Fintechs. Anais do VI SINGEP, São Paulo – SP.
Finnovation (2018). O que é Fintech. Recuperado de: http://finnovation.com.br/
Guidi, C. E. G. (2018). Análise da segmentação aplicada à aquisição de clientes no setor de crédito pessoal. Dissertação (Mestrado em Gestão para a Competitividade) – Fundação Getúlio Vargas – FGV.
Likert, R. (1932). A technique for the measurement of attitudes. Archives of psychology.
Lisboa, E., & Mendonça, A. V. B. F. (2017). As vantagens e desvantagens de ser um clientr Nubank. XXVIII ENANGRAD. Brasília.
Marcon, R. (2018). O centro de serviços compartilhados na instituição financeira digital: Uma análise das fintechs e do impacto nas atuais estruturas de bankoffice. Dissertação (Mestrado Profissional em Gestão e Negócios) – Universidade do Vale do Rio dos Sinos – UNISINOS.
Ministério da Fazenda (2016). Cartilha de promoção à concorrência. 2016. Recuperado de: http://www.fazenda.gov.br/centrais-de-conteudos/publicacoes/cartilhas/arquivos/cartilha-promocao-a-concorrencia.pdf
Miranda, M. B. (2011). O Monopólio e o Oligopólio. Revista Virtual Direito Brasil. V. 5 – nº 2, 2011.
Narteh, B., Mahmoud, M. A., & Amoh, S. (2017). Customer behavioural intentions towards mobile money services adoption in Ghana. The Service Industries Journal, 37(7-8), 426-447.
Osei-Assibey, E. (2015). What drives behavioral intention of mobile money adoption? The case of ancient susu saving operations in Ghana. International Journal of Social Economics.
Rodrigues, L. A. (2012). Tecnologia voltada para o cliente. Revista CIAB FEBRABAN.
Sanches, C., Meireles, M., & Sordi, J. O. (2011). Análise Qualitativa Por Meio da Lógica Paraconsistente: Método de Interpretação e Síntese de Informação obtida Por Escalas Likert. Anais do III Encontro de Ensino e Pesquisa em Administração e Contabilidade, João Pessoa-PB.
Senyo, P. K., & Osabutey, E. L. (2020). Unearthing antecedents to financial inclusion through FinTech innovations. Technovation, 98, 102155.
Slade, E. L., Dwivedi, Y. K., Piercy, N. C., & Williams, M. D. (2015). Modeling consumers’ adoption intentions of remote mobile payments in the United Kingdom: extending UTAUT with innovativeness, risk, and trust. Psychology & Marketing, 32(8), 860-873.
Venkatesh, V., Thong, J. Y., & Xu, X. (2012). Consumer acceptance and use of information technology: extending the unified theory of acceptance and use of technology. MIS quarterly, 157-178.
Zeltser, T., Maçada, A., & Mallmann, G. (2017). Efeitos da Qualidade da Informação e da Qualidade do Serviço da Informação no Uso de Serviços de Fintech. SEMEAD XX-Anais.
Downloads
Published
Issue
Section
License
Copyright Statement
- The authors authorize the publication of the article in the journal.
- The opinions and ideas expressed in articles are the authors' sole responsibility.
- The authors guarantee that the article is not the result of plagiarism. Failure to do so may result in penalties for the situation.
- Editors can adjust the text and formatting to fit the article according to the journal's publication standards.
- The articles published are the property of CBR and are protected by copyright. However, authors can disclose and make their articles available for free.