Abstract
The growing number of Financial Technology (FinTech) services and its ubiquity is giving great business opportunities not only to banks but also to non-banking financial companies, telecommunication companies and retail companies. However, FinTech adoption is selective and can be attributed to various factors. Thus, in this study Qualitative assessment was done using multi-method approach to explore the antecedents affecting FinTech adoption. Through structured iterative discussion with FinTech domain experts which identified key factors relevant to address demographic diversity. These factors were further empirically assessed by survey of 439 FinTech users. Exploratory factor analysis was further done on the collected data to extract relevant factors. Thereafter, Structural equation modeling was done to examine model fit and hypothesis testing. The findings of the study revealed that while ease of use positively influences the use of FinTech services, social influence has a negative impact. Behavior intention and usefulness have no significant impact on use. Security and responsiveness affect the usage but are mediated through ease of use.
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