南方科技大学知识苑(SUSTech KC): Understanding fintech platform adoption: Impacts of perceived value and perceived risk

题名	Understanding fintech platform adoption: Impacts of perceived value and perceived risk
作者	Xie，Jianli 1; Ye，Liying2 ; Huang，Wei1,2 ; Ye，Min 1
通讯作者	Ye，Min
发表日期	2021-08-01
DOI	10.3390/jtaer16050106
发表期刊	Journal of Theoretical and Applied Electronic Commerce Research 影响因子和分区
EISSN	0718-1876
卷号	16 期号:5页码:1893-1911
摘要	FinTech platforms are one of the most important elements in the rapidly digitized world’s economy. This study investigates the factors that affected individuals’ acceptance of FinTech services, especially on internet wealth management platforms. The current research extends the unified theory of acceptance and use of technology (UTAUT) published by MIS Quarterly with integrated financial consumption attributes (i.e., perceived value and perceived risk) alongside the core construct of UTAUT. Data were collected from an established survey company. The empirical results indicate that perceived value, perceived risk, and social influence are strongly related to individuals’ FinTech adoption intention, whereas performance expectancy, effort expectancy, and perceived risk affect individuals’ perceived value, which in turn influences adoption intention. The proposed FinTech adoption model could contribute to information technology (IT) adoption research by extending the UTAUT in which individuals’ performance expectancy and effort expectancy affect their adoption intention indirectly through perceived value. Finally, the implications of the proposed new model for future research and FinTech practice are discussed.
关键词	FinTech platform IT adoption Perceived risk Perceived value UTAUT
相关链接	[Scopus记录]
收录类别	SSCI
语种	英语
学校署名	其他
WOS记录号	WOS:000665330800001
Scopus记录号	2-s2.0-85109000505
来源库	Scopus
引用统计	被引频次[WOS]：71
成果类型	期刊论文
条目标识符	http://sustech.caswiz.com/handle/2SGJ60CL/241941
专题	商学院商学院_信息系统与管理工程系
作者单位	1.Department of Information Management,School of Management,Xi’an Jiaotong University,Xi’an,No. 28 Xianning West Road,710049,China 2.College of Business,Southern University of Science and Technology,Shenzhen,No. 1088 Xueyuan Avenue, Nanshan District,518055,China
推荐引用方式 GB/T 7714	Xie，Jianli,Ye，Liying,Huang，Wei,et al. Understanding fintech platform adoption: Impacts of perceived value and perceived risk[J]. Journal of Theoretical and Applied Electronic Commerce Research,2021,16(5):1893-1911.
APA	Xie，Jianli,Ye，Liying,Huang，Wei,&Ye，Min.(2021).Understanding fintech platform adoption: Impacts of perceived value and perceived risk.Journal of Theoretical and Applied Electronic Commerce Research,16(5),1893-1911.
MLA	Xie，Jianli,et al."Understanding fintech platform adoption: Impacts of perceived value and perceived risk".Journal of Theoretical and Applied Electronic Commerce Research 16.5(2021):1893-1911.