认知因素和金融科技创新的实际使用:探索数字银行业务的UTAUT框架
Manal Tariq1, Sayeda Zeenat Maryam2, Wasim Abbas Shaheen1
1Quaid-i-Azam School of Management Sciences, Quaid-i-Azam University, Islamabad, Pakistan.
Heliyon
|August 22, 2024
概括
这项研究表明,业绩预期,促进条件,风险和信任显著影响数字银行采用. 客户的意图完全调解了这些因素,影响了Fintech服务的实际使用.
科学领域:
- *金融科技和数字银行业务
- * 消费者行为和技术采用
背景情况:
- *数字化转型正在重塑银行业,金融科技创新旨在增强客户体验.
- * 对于金融机构来说,了解推动采用基于金融技术的数字银行业务的认知因素至关重要.
研究的目的:
- * 识别和分析影响客户实际使用金融科技数字银行业务的认知决定因素.
- * 检查行为意图在认知因素和数字银行采用之间的关系中扮演的调解角色.
主要方法:
- * 应用技术接受和使用统一理论 (UTAUT) 框架.
- *通过自主管理的调查和有目的的抽样收集数据.
- *使用结构方程建模 (SEM) 进行分析.
主要成果:
- * 绩效预期,促进条件,感知风险和信任被发现是数字银行使用的重要预测因素.
- *行为意图完全调解了这些预测因素对实际使用的影响.
- *认知因素在很大程度上影响了用户的意图和随后对金融科技银行业务的采用.
结论:
- * 金融机构可以利用对业绩预期,信任和促进条件的洞察力来改善金融科技产品.
- *专注于培养积极的行为意图是促进数字银行服务持续采用的关键.
- * 这项研究对影响金融科技数字银行使用的认知因素进行了新的研究,为行业从业者提供了有价值的见解.
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