Adoption Of Attitudes Research Articles

Values as causes of emotions and acceptability in the digital risk context: an extension of the values scale with privacy

Values have been proposed to be important predictors of emotions about products, which in turn have been proposed to be associated with acceptability of these products. While support for this theory has been found in the environmental domain, it has not been studied in other domains, such as the domain of digital risks. The main objective of this study was to examine if three values (hedonism, personal security, and privacy) are predictors of emotions about a smart home device (a smart speaker), and if, in turn, those emotions influence the acceptability of the device (operationalized as adoption attitude). Additional objectives were to test whether the relation between risk-related values and emotions strengthens when people receive a value-tailored warning, and whether privacy as a value is a valuable addition to the 19 value scale by Schwartz and colleagues. With a scenario study (N = 623), we found, first, that privacy as a value could indeed be distinguished from the other values. Second, the values hedonism and privacy, but not personal security, predicted either or both positive and negative emotions towards a smart device, and in turn the acceptability of the smart device. Third, the effects of the values privacy and personal security on emotions were not strengthened by a value-tailored warning. Fourth, two additional values were identified that also explained emotions and in turn acceptability of the smart device, being power-resources and tradition. Fifth, privacy was found to be a valuable addition to the 19 value measurement, which explained emotions over and above the other 19 values. The study thus shows that values are also important predictors of emotions and in turn acceptability in the context of digital risks, with privacy as an important newly developed value that contributes to a more in-depth understanding of consumer decision making in this context.

The Moderating Effect of App Trustworthiness and User Attitudes on Intention to Use Adopt Mobile Applications Among Employees in The Oil and Gas Industry

In today’s technologically advanced world, the adoption of mobile applications has become a transformative force across various industries, significantly impacting the way businesses operate and manage their processes. One area where mobile applications are making a remarkable impact is in the realm of Occupational Health and Safety (OHS). The integration of mobile applications in OHS practices has ushered in a new era of efficiency, accessibility, and data-driven decision-making, elevating workplace safety standards to unprecedented heights. Occupational health and safety are paramount concerns for organizations as they strive to create safe and healthy work environments for their employees. Historically, OHS management relied on manual and paper-based processes, which could be time-consuming, error-prone, and challenging to track comprehensively. However, with the advent of mobile technology, organizations now have the opportunity to streamline their OHS protocols, enhance communication, and proactively manage workplace risks, all through the convenience of mobile applications. This research aims to analyze the effects between perceived ease of use and the attitude towards the use of the mobile application. Perceived usefulness of applications on Attitude towards the use of the app, attitude towards the use of the app on intention to use the application. The population of this research is the employees from the oil and gas industry in Malaysia. The theory of the Technology Acceptance Model (TAM) was applied. Perceived danger, perceived utility, perceived ease of use, and perceived intention to use were the antecedents for mobile apps. Employees’ intentions to use mobile applications were shown to be significantly influenced by their satisfaction with the information system and their inventiveness. In this study, devices were categorized as large or small according to their screen size, while respondents were categorized as young (<30 years old) or old (>30 years old) according to their age. A data collection of 545 responses to an online survey with 32 questions was obtained for analysis. The survey was distributed via email to respondents using a Survey among employees. The factors impacting the intention to use mobile applications were investigated using structural equation modeling. We looked at the moderating impact of the app’s trustworthiness on users’ intentions to use/adopt it. The variables’ responses for perceived ease of use, perceived usefulness, attitude towards the use of the App, trust (integrity) of the App, and intention to use/adopt the application varied significantly between the subgroups, according to the results. The study also showed the existence of moderating effects on the intention to use/adopt an app related to the trust integrity of the app. This paper discusses the survey, the findings, and the ramifications of the observations. This research contributes to the current literature by presenting empirical evidence on the importance of trustworthiness and user attitudes in mobile app adoption in the oil and gas industry. It also discusses the broader implications for improving workplace safety through the strategic use of mobile devices in OHS practices.

Intention to adopt autonomous vehicles in China: a comparative study among residents in different-sized cities

ABSTRACT Transitioning to a fully Level-5 autonomous vehicle (AV) environment presents numerous challenges, notably influenced by public adoption intention. Previous studies have shown limitations in scope, population, and methodology. This study expands the Technology Acceptance Model to investigate AVs adoption intention across various city sizes in China. Through surveys in China, 2,662 responses were gathered in 2021 from mega, large, and small-to-medium cities. Using Multiple Indicators and Multiple Causes models, the study examines influencing factors on AVs adoption intention and population heterogeneities. Key findings emphasize the importance of adoption attitude, information provision, and perceived AV usefulness. Additionally, the impact of financial incentives, convenience, and several other factors varies across city sizes. The insights gained from the study can be utilized to develop more cost-effective policies and strategies tailored to different subgroups of the population to fully utilize the potential benefits of AVs while minimizing unintended consequences across diverse urban settings.

Moderating Effect of Innovativeness on Attitudes Toward E-Commerce Adoption by Small and Medium Enterprises in Kuwait

Many studies indicated that technological, organizational, and environmental organizational predictors as the key determinants for attitudes toward the adoption of E-commerce. However, a few studies focus on the innovativeness of these relationships. This study focuses on the moderating effect of innovativeness on the relationship between attitude toward the adoption of E-commerce and its determinants. Data were collected from 259 SME owners/managers through a self-administered questionnaire, and structural equation modeling was used to analyze the data. The results identified perceived relative advantage, compatibility, complexity, organizational readiness, IT knowledge, competitive pressure, and supplier and customer pressure as important drivers of managers' attitudes toward E-commerce adoption. Furthermore, the findings indicated a stronger positive relationship between compatibility, competitive pressure, and attitude for managers with high innovativeness as opposed to low levels of innovativeness. These results supported the view that innovativeness can shape managers' attitudes toward E-commerce adoption. The results will help SME owners/managers to plan and promote E-commerce adoption and grow their businesses. Governments can use the results of this research to develop more focused policies to encourage more favourable E-commerce adoption attitudes among managers of SMEs.

Tourist acceptance of using ride-sharing services in a tourism destination: hedonia vs eudaimonia and technophilia vs technophobia

Purpose This study aims to examine how affective and technological attitudes influence tourists’ intentions to use ride-sharing services. The authors also explore the moderating effects of perceived freedom and digital literacy on these relationships. Design/methodology/approach The sample consisted of local and international tourists using ride-sharing services in Bali, Indonesia. The authors used convenience sampling to distribute questionnaires to the respondents, collecting 258 responses. Out of these, 222 responses were fully completed and suitable for analysis. Findings The results revealed that hedonia, eudaimonia, technophilia and technophobia each differently influence tourists’ intentions to use ride-sharing services. Perceived freedom and digital literacy moderate the strength of these relationships. Research limitations/implications This research builds on previous studies by investigating how various aspects of happiness affect tourists' intentions to use ride-sharing services. It also emphasizes the role of perceived freedom and digital literacy in moderating the relationship between happiness, technology adoption attitudes and ride-sharing intentions. Originality/value This study contributes to the existing ride-sharing literature by integrating two dimensions of affective attitude (hedonia and eudaimonia) and technology adoption attitude (technophilia and technophobia) to examine their effects on tourists’ intentions to use ride-sharing services.

Airline Self-Service Technology Adoption: Moderating Impact of Gender and Experience

Purpose: The purpose of the paper is to examine the role of technology paradoxes, including technology anxiety, insecurity and forced usage, to understand consumer adoption behavior towards self-service technology. The present study also investigates the moderating effect of gender and experience on the relationship between paradoxes and adoption attitude towards self-service technology. Design/methodology/approach: In this study, a quantitative research approach was employed. We tested the research hypotheses using survey data collected from 249 users of self-service technology in the airline sector. Further, we tested the structural path relationship using SmartPLS-4. Findings: The findings have revealed the significant impacts of technology anxiety and insecurity on adoption attitude. The findings also reveal the partial moderating roles of gender and experience in the link between paradoxes and adoption attitude. Research limitations/implications: This study does not consider other factors influencing consumer adoption of self-service technology, such as ease of use, trust, and speed. The present study relies on cross sectional data to study consumer attitudes. Longitudinal research is required to examine consumer adoption attitudes towards technology in long run. Originality/value: The present study contributes to literature by investigating the role of paradoxes to understand consumer adoption attitudes and also determine the strategies that must be focused upon by service providers to enhance the experience of customers using self-service technology.

Intentions to Adopt Contactless Travel in the Post-Pandemic Era: Adapting to a New Normal

Purpose – This research explores the relationship between individual perceptions and attitudes towards contactless travel adoption, considering moderating variables such as trust in technology.Methodology– Adopting an extended theory of planned behaviour lens, the study investigates how trust in technology moderates the relationship between various factors and traveller attitudes and adoption.Findings – Findings highlight the impact of individual perception factors, especially within the highest tourist interest. The study identifies a moderated direct relationship between attitudes and intentions to adopt, influenced by trust in technology, and emphasizes the mediating role of attitudes in shaping adoption intentions.Originality of the research – Successful implementation of the findings could catalyze positive innovations in the adoption of contactless travel. The study makes a distinct contribution by shedding light on crucial factors influencing contactless travel adoption, emphasizing the importance of a nuanced understanding of demographics, individual perceptions, and the role of trust in technology.

Effective extension and access to education drive optimal adoption of climate-smart agriculture interventions in affected tidal floodplains: A case study

Developing countries with predominantly agricultural economies are particularly vulnerable to short-term climate variability and long-term climate change adversities. This provides the context for adopting climate-smart agricultural (CSA) practices to ensure consistent agricultural product supply and food security. Although concepts of CSA tools and strategies are well-established, their adoption trends in developing regions are still undesirable, with little to no empirical understanding of factors contributing to these trends. The current research aims to address this gap of knowledge by assessing the nature of climate change impacts, adaptation strategies, and socio-economic characteristics of the farmers influencing the adoption of CSA techniques in a rural cohort in Southwestern Bangladesh. Systematically designed interview schedules revealed that the most common and devastating consequences of climate change in the study area were increased infestation of pests and diseases. Other overlooked hazards including water-logging, cyclones and cold waves, are posing new threats to regional agriculture by changing conventional patterns. Contrary to the status quo, many CSA technologies, especially indigenous approaches, are widely and effectively adopted by farmers in the studied area to cope with climate change. These adoption tendencies and innovations in CSA were found to be significantly driven by factors such as extension and training programs, education of farmers, and dependence on on-farming income. The findings of the current study provide a preliminary analysis of the attitude, knowledge and trends of CSA technology adoption by farmers in a less-saline floodplain niche of a predominantly salinity-impacted coastal region. The study acts as a model for future relevant investigations and implementations for stakeholders with supply of inputs, technologies and expertise in finding sustainable solutions and appropriate extension for communities around the world confronted with similar challenges.

Exploring the behavioral stage transition of traveler's adoption of carsharing: An integrated choice and latent variable model

This study investigates the process of stage transition in traveler's adoption of carsharing. The carsharing adoption behaviors are classified into five stages using the transtheoretical model: precontemplation (PC), contemplation (C), preparation (PA), action (A), and maintenance (M). In Beijing, a comprehensive survey combining stated preference and revealed preference methods is conducted to collect data on travelers' adoption attitudes and related attributes, such as socioeconomic characteristics, travel features, and carsharing usage environments. Specifically, ten latent attitudinal variables are derived from the technology acceptance model and theory of planned behavior. An integrated choice and latent variable model is developed to examine the impact of these explanatory factors on the transition processes between the five adoption stages. The findings reveal that the effects of explanatory factors on stage transitions in carsharing adoption behaviors differ across stages. Factors such as education level, income, having children, car ownership, familiarity with carsharing, personal condition, and social pressures play a crucial role in the early stages of understanding before carsharing adoption, namely the PC-C and C-PA stage transitions. Conversely, in the later stages (PA-A and A-M), travelers show a greater emphasis on carsharing infrastructure, including station reachability, vehicle availability, and perception toward rental stations and shared vehicles. Additionally, factors related to travel habits and expectations are influential throughout all stages of the carsharing adoption process. Lastly, three categories of measures, namely soft, neutral, and hard measures, are derived from the results to guide policymakers and carsharing operators in formulating strategies for the operation and management of carsharing systems.

Electric vehicle adoption attitudes: Exploring prospective market segments in the automotive industry

Electric vehicle adoption attitudes: Exploring prospective market segments in the automotive industry

Extended model to explain customer attitude toward NFT and moderating effect of technology optimism

PurposeThis study empirically examined consumer adoption attitudes and behaviors toward nonfungible tokens (NFTs). Findings indicate that consumer attitudes toward NFTs are influenced by perceived usefulness, reliability and profit expectancy and that strong attitudes are associated with purchase intentions. Additionally, the relationship between attitudes and purchase intentions was moderated by technology optimism.Design/methodology/approachThe authors utilized a partial least squares (PLS) model to examine the hypotheses in this empirical analysis. Obtaining a sample of actual NFT holders or experienced users is challenging. A total of 105 individuals participated in the study as valid responders by answering the screening question in the questionnaire. The authors opted for the PLS model as a research approach due to the limited size of the consumer population in the NFT market.FindingsThis study discovered that the adoption of NFTs was affected by technical aspects such as usefulness and reliability and the potential for future asset growth. Furthermore, the degree of attitude-to-intention conversion varied based on optimism, an inherent characteristic.Research limitations/implicationsThis study offers valuable insights for NFT owners, content providers and trading firms. For the NFT market to expand, it must meet consumers' expectations for the desired content features and asset investment attributes. Additionally, customer targeting strategies should attract and appeal to technology enthusiasts with an optimistic outlook on technology.Originality/valueThe authors conducted an initial empirical analysis of actual NFT consumers, an area of research studied sparingly despite its significance.

A systematic review on the factors governing precision agriculture adoption among small-scale farmers

The global agricultural paradigm is witnessing a transformative shift with the advent of precision agriculture. While large-scale agricultural enterprises have been swift in their embrace of this innovation, its uptake among small-scale farmers remains nuanced and complex. This study elucidates the multi-faceted determinants that influence the adoption of precision agriculture within the small-scale farming sector. The study adopts a systematic literature review approach, meticulously selecting and analysing 29 relevant papers. Drawing upon an exhaustive literature review and empirical analyses, the research presents a composite framework weaving economic, technological, social, and environmental factors. Among these, the social dynamics emerge as the most significant factor, shaped by awareness levels, knowledge dissemination pathways, and entrenched cultural norms. These social elements often intertwine with ingrained traditional practices and perceptions, forming the most intricate layer shaping adoption attitudes. Notably, although economic factors like substantial initial investments and the calculus of Return on Investment are present, they are overshadowed by social considerations. The technological landscape is characterised by the challenges of digital literacy, infrastructural readiness, and technological interoperability. Lastly, environmental imperatives, underscored by resource scarcity, climate change resilience, and ecosystem services, offer both challenges and motivations. Together, these factors delineate the intricate roadmap guiding small-scale farmers in their journey toward precision agriculture adoption. This comprehensive exploration provides stakeholders with actionable insights, fostering informed decision-making and strategic interventions to augment precision agriculture's integration within the small-scale farming tapestry.

Research on the Influencing Factors of the E-commerce Adoption Behavior of New Agricultural Business Entities under the TAM Model

<p>Based on the theoretical model of technology acceptance, this paper uses 372 questionnaire data to explore the influencing factors of the e-commerce adoption behavior of new agricultural business entities. The results show that: (1) Among the factors affecting the e-commerce adoption behavior of new agricultural business entities, perceived usefulness has the strongest impact, followed by perceived ease of use, and its standardized impact path coefficients are 0.81 and 0.20, respectively; (2) Perceived ease of use Usability not only positively affects the e-commerce adoption attitude of new agricultural business entities, but also positively affects the perceived usefulness of new agricultural business entities; (3) The e-commerce adoption attitude of new agricultural business entities positively affects their adoption behavior. Therefore, this paper puts forward relevant suggestions to improve the willingness of new agricultural business entities to adopt e-commerce, and then guide the sustainable development of e-commerce platforms.</p>

YENİLİKÇİ TEKNOLOJİ OLARAK HİZMET İÇİN YAZILIM (SaaS): SaaS KULLANMAYANLARIN ZORLUKLARINI VE ENGELLERİNİ ARAŞTIRMAK

Software for a service (SaaS) brings unprecedented benefits to business applications such as cost reduction and productivity. This study aims to understand the behavioral intentions of businesses that are not considering using SaaS, are in the process of evaluating the use of SaaS, are evaluating but not adopting, and planning to evaluate and use SaaS. Data were collected by asking 18 questions from 76 businesses not adopting SaaS and analyzed with One-Way Analysis of Variance (ANOVA). Fisher's LSD test was used as a post hoc analysis to observe the differences between the groups. The findings showed that those who do not plan to use SaaS and those who evaluate and plan to use SaaS, and those who are in the process of evaluating the use of SaaS and those who plan to use SaaS, differed significantly in their opinions about the perceived advantages and security concerns. On the other hand, it is seen that the decision makers’ support of all non-SaaS adopters and the attitudes of non-SaaS adopters located in different market regions were similar. The research will contribute to informing SaaS providers to ensure business continuity and to produce customized software and applications suitable for the challenges and barriers faced by business operations.

Drivers of Engineering Procurement and Construction Model Adoption Behavior by Public Construction Owners in China

The promotion of the EPC model in public construction projects is a priority for reform in the Chinese construction industry. This study integrates the push–pull–mooring (PPM) model with the stimulus-organism-response (SOR) framework to explore the influencing factors and action mechanisms of adopting the EPC model of the owners of public construction projects in China. An online questionnaire was sent to public construction project owners who have participated in EPC projects. Partial least squares-structural equation modeling (PLS-SEM) was employed to analyze the survey data. The results identified that the push factors for public construction project owners to the adoption of the EPC model include owners’ management ability, owner’s knowledge about EPC, and the matching degree between the owner’s management philosophy and EPC model; the pull factor is the performance pressure of the project; and the mooring factors include subjective norms, the maturity degree of the EPC, and the support environment. In addition, perceived usefulness, cognitive, and adoption attitude play a mediating role in the relationship between external stimuli and adoption behavior. Overall, this study enhances the understanding of Chinese public project owners’ behavior in adopting the EPC model and provides a theoretical basis for policy recommendations to promote the adoption of the EPC model by public construction project owners in China.

Exploring the adoption decisions of mobile health service users: a behavioral reasoning theory perspective

PurposeTo improve the frequency of adoption of mobile health services (MHSs) by users (consumers), it is critical to understand users' MHS adoption behaviors. However, the literature primarily focuses on MHS adoption-related factors and lacks consideration of the joint impacts of reasons for (RF) and reasons against (RA) on users' attitudes and adoption behaviors regarding MHSs. To fill this gap, this study integrates behavioral reasoning theory (BRT) and protective motivation theory (PMT) to develop a research model by uncovering the reasoning process of personal values, RF and RA, adoption attitudes and behavior toward MHSs. In particular, health consciousness (HC) is selected as the value. Comparative advantage, compatibility and perceived threat severity are considered the RF subconstructs; value barriers, risk barriers and tradition and norm barriers are deemed the RA subconstructs.Design/methodology/approachA total of 281 responses were collected to examine the model with the partial least squares structural equation modeling (PLS-SEM) method.FindingsThe results show that HC positively affects attitude through RA and RF. Additionally, RF partially mediates the relationship between HC and adoption behavior. This study contributes to a deeper understanding of user adoption behavior in MHS and provides practical guidance for the health services industry.Originality/valueThis study contributes to the existing MHS literature by understanding the joint influences of personal values, RF and RA on user attitude, which eventually determines users' adoption decisions regarding MHSs.

FINTECH CHALLENGES AND OPPORTUNITIES IN BANKING

The potential and impact of fintech on banks is becoming an increasingly important topic. Electronic banking, mobile phone payments and other innovative financial services have become an integral part of every person's life. FinTech is a new, fast-growing part of the financial services industry, so they have limited understanding of emerging phenomena (Anagnostopoulos, 2018). Fintech analyses are important not only for understanding financial innovation, but also for all aspects of finance in terms of consumer adaptation using fintech (Chen, 2016). Investments in FinTech are reaching record highs, so it is often said that FinTech institutions can change the banking system and reduce its popularity. Authors Jünger and Mietzner (2019) analysed in their article on the digitization of banking transactions that consumers tend to choose FinTech companies more than banks when it comes to transparency policies. In this context, the preferences and perceptions of the Mauritian population are analysed when it comes to adoption, awareness, current and future use of fintech services, which defines the scientific novelty of this topic. Consumer adoption attitudes of fintech services in Mauritius were analysed using an Extended Technology Acceptance Model (TAM). A questionnaire was designed and sent to the population of Mauritius where 176 responses were obtained. The data was analysed using Statistical Package for the Social Sciences (SPSS) and a multiple regression was used to test the hypotheses and find out if the independent variables (subjective norms, perceived usefulness, perceived ease of use, trust and perceived risk) have a positive influence on the dependent variable (attitude) of users in the adoption of fintech services. Next, subjective norms, perceived usefulness, perceived ease of use, and trust were found to positively influence consumer attitudes when choosing fintech services, while perceived risk did not of positive influence on consumer attitudes when adopting fintech services, which provides more information to the literature on fintech services personalization using TAM. Limitations and recommendations are discussed below.

Adoption of Plant-Based Diets: A Process Perspective on Adopters’ Cognitive Propensity

Although there is great interest on the global stage in promoting plant-based diets (PBDs) to achieve some of the Sustainable Development Goals (SDGs), the results of their adoption are unsatisfactory. Academics propose to entangle this effort by addressing the challenges of dissemination of social innovations (SIs). SIs generate different adoption attitudes, some of them related to socio-psychological aspects on the part of potential adopters. This research work aims to better understand the adoption of SIs, such as PBDs, which may induce socio-psychological concerns in potential adopters. In this sense, this research postulates that current perspectives on the dissemination and adoption of SI offer partial insights into understanding the shift to PBD. To overcome these limitations, a holistic process perspective of the adopter’s decision-making to change diet is derived and proposed. An exploratory, abductive, and theory-building effort has been carried out, based on a cross-analysis of three different adopter profiles, with a total of 69 semi-structured interviews. A new model for a comprehensive understanding from the adopter’s perspective on dietary change is outlined with new socio-psychological insights emerging from the adopter’s viewpoint. Additionally, the new model offers renewed opportunities for practitioners in terms of PBD implementation, usage, and policy.

University Students Attitudes toward Same-Sex Marriage Adoption in Taiwan

Taiwan is the first country in Asia to recognize the legal rights of same-sex couples to get married. Although same-sex marriage has been legal in Taiwan since May 2019, the same-sex marriage family was not allowed to adopt child legally; only stepchild adoption was permitted. This is still a very controversial issue, so this study intended to understand the views of Taiwanese college students, whose voices should be heard and whose opinions should be valued by legislators. To investigate this issue, a questionnaire was constructed, and 440 objects were collected. The questionnaire regarding attitudes toward same-sex marriage adoption consisted of three dimensions: “Worry and against”, “Idea Recognition” and “Action Support”. Each dimension has good reliability. The internal consistent coefficients (Cronbach’s α) were 0.86, 0.93, and 0.94. The responses reveal that college students in Taiwan have a relatively positive attitude towards same-sex marriage adoption, and college students who are biologically female, non-heterosexual, non-Christian, major in social work, and are acquainted with the LGBT community have more positive attitudes. College students’ same-sex marriage and adoption attitudes can be predicted by biological sex, sexual orientation, religion, grade, whether they major in social work, have contact experience with the LGBT community, contact experience with adoption, and same-sex parenting concepts. The same-sex parenting concept is the most important predictor variable, which means that the judgment about whether same-sex marriage couples can bear the responsibility of raising children is the most critical factor affecting the attitude of same-sex marriage adoption.

Adoption factors in digital lending services offered by FinTech lenders

Research background: Traditional financial institutions are facing new competitors ? FinTech lenders. The development of these entities and their services depends on many factors, including the level of their acceptance and use by potential and/or current customers. This acceptance determines the ability to create desired financial results and defines the set of FinTech lenders? activities and also their environment aimed at shaping the offer which meets their consumers? expectations. The limited number of studies addressing the identification and assessment of the impact exerted by the adoption factors of lending services offered by FinTech lenders and the lack of such analyzes relating to these decisions made by consumers from Central and Eastern Europe argue for the need to conduct such research. Purpose of the article: Identify factors driving consumers? adoption of digital lending services offered by FinTech lenders in Poland. Methods: Critical analysis of the source literature, descriptive and comparative analysis, diagnostic survey, econometric methods (PCA, SEM used in the TAM). Empirical data come from the surveys carried out in May 2022 using the CAWI method and covering a representative sample of 1,000 Poles. Findings & value added: The study identified factors driving consumers? adoption of digital lending services, including perceived trust, risk, usefulness and financial health. It has been proven that the perceived ease of use and innovation do not represent the statistically significant constructs influencing the accepted adoption attitudes. The adopted research model shows a considerable power to explain the intention of using digital loans. The article is the first scientific study of this type discussing the identification of adoption factors for loan services offered by FinTech lenders operating on the Central and Eastern European market. The presented example of Poland being the leader in this dynamically developing market provides the background for conducting international comparative studies in the future.