趋向金融科技:使用扩展的UTAUT模型对本科生进行的一项研究
Nahida Sultana1, Rubaiyat Shaimom Chowdhury2, Afruza Haque3
1Department of Management Information Systems (MIS), Faculty of Business Studies, University of Dhaka, Dhaka, 1000, Bangladesh.
Heliyon
|October 20, 2023
概括
金融技术 (金融科技) 的采用对于本科生可持续的金融包容性至关重要. 绩效预期和促进条件等关键因素推动了采用,而社会影响并没有显著影响使用.
科学领域:
- * 行为经济学
- * 金融技术 (金融科技)
- * 信息系统 * 信息系统
背景情况:
- *COVID-19大流行凸显了全球需要可访问的金融服务的需要.
- * 金融技术的采用在疫情期间增加,证明了其在金融弹性方面的作用.
- *了解用户采用驱动因素对于促进可持续的金融包容性至关重要.
研究的目的:
- * 通过采用技术接受和使用统一理论 (UTAUT) 模型,研究本科生中金融技术的采用情况.
- * 确定影响高等教育中金融技术服务的意图和实际使用的关键决定因素.
主要方法:
- * 数量研究涉及375名本科生.
- *使用AMOS软件进行结构方程建模 (SEM) 分析.
- * 应用UTAUT模型来评估用户接受因素.
主要成果:
- * 绩效预期,努力预期和促进条件显著预测金融科技使用意图.
- * 促进条件和行为目的积极影响实际的金融科技使用.
- * 发现社会影响力和个人创新能力对金融科技采用意向没有显著影响.
结论:
- *本科生采用金融科技是由感知到的实用性和易用性,以及支持条件驱动的.
- * 调查结果为用户对金融科技服务的期望和偏好提供了洞察力.
- * 该研究有助于加强金融技术使用和实现可持续金融包容性的战略.
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