通过SEM方法探索影响使用金融科技意图的信任决定因素:来自巴基斯坦的证据
Haifeng Zhao1, Nosherwan Khaliq1, Chunling Li2
1School of Economics and Management, Tongji University, Shanghai, 200092, China.
Heliyon
|April 26, 2024
概括
消费者信任对于金融技术的采用至关重要. 这项研究表明,信任显著影响巴基斯坦消费者使用金融技术的意图,强调信任是技术接受的关键驱动力.
科学领域:
- 行为经济学是一种行为经济学.
- 信息系统信息系统信息系统
- 金融技术 (金融科技) 的发展
背景情况:
- 消费者对在线交易的不信任阻碍了金融技术的采用.
- 需要一种信任理论模型来理解金融技术的用户可接受性.
- 需要进行研究来验证信任对金融科技意向的影响.
研究的目的:
- 构建和评估金融技术的信任理论用户可接受性模型.
- 检查信任对使用金融科技服务的意图的影响.
- 确定影响消费者对金融技术信任的关键信任促进者.
主要方法:
- 使用巴基斯坦潜在用户样本对信任模型的实验验证.
- 结构方程建模 (SEM) 使用智能PLS 3应用于275个调查答案.
- 对信任促进者的分析,包括信任倾向,感知规模和声誉.
主要成果:
- 客户对金融科技的信任是技术采用的主要决定因素,超过其他因素.
- 信任显著和积极地影响了巴基斯坦消费者使用金融科技的意图.
- 信任倾向成为最有影响力的信任促进因素,其次是感知规模,在线互动,感知好处,第三方密封,易用性和声誉.
结论:
- 建立客户信任对于提高金融科技采用率至关重要.
- 针对信任促进者的有针对性的策略可以提高用户对金融技术的接受度.
- 了解文化背景,比如在巴基斯坦,对于有效的金融科技部署至关重要.
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