Determinants Of Fintech Adoption: A Systematic Literature Review
Keywords:
Adoption, Determinants, Fintech, Services, SLRAbstract
The financial industry is experiencing a transformation as a result of advancements in technology. Due to these technological advancements, the financial industry has undergone a metamorphosis, becoming increasingly technology-driven and abundant with both opportunities and challenges. Even though Malaysia is a leader in Islamic finance, it still lags in terms of FinTech. Islamic banks in Malaysia, in particular, have adopted cutting-edge technological solutions in the South East Asian region. However, the limitation of literature indicates that only a few studies have examined whether FinTech may be considered acceptable or adaptable on an empirical or non-empirical basis, especially in Islamic finance. Accordingly, the present study's goal is to conduct a systematic literature review in order to investigate and compile factors that could influence a user to adopt or accept fintech banking services. Preferred Reporting Items for Systematic reviews and meta-analyses (PRISMA) was adapted in this study where there will be four stages which are identification, screening, eligibility and inclusion before systematically analyse for review process. It was found that, perceived ease of use, perceived usefulness, perceived benefit, social influence, performance expectancy, effort expectancy, trust, religiosity, intent, and other factors have all been shown to influence an individual's decision to utilize Fintech services.
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Copyright (c) 2023 Muhamad Hasif Yahaya, Zainur Nadiyah Baharudin, Siti Nor Amira Mohamad, Amal Hayati Ishak, Fadilah Abd Rahman, Siti Khadijah Ab Manan, Nurul Ain Mohd
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