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In quest of perceived transaction cost's impact on fintech users' intention: the moderating role of situational factors

Business

In quest of perceived transaction cost's impact on fintech users' intention: the moderating role of situational factors

H. Zhao, N. Khaliq, et al.

This study reveals how perceived transaction costs affect the adoption of fintech in Pakistan, with situational factors playing a pivotal role. Discover insights from researchers Haifeng Zhao, Nosherwan Khaliq, Chunling Li, and Judit Oláh on the crucial interplay between cost management and user trust in fintech.

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Playback language: English
Abstract
This study investigates the impact of perceived transaction costs (PTC) on fintech users' intention in Pakistan, considering the moderating roles of situational factors. Using data from an online survey (276 respondents), a structural equation model was tested with Smart PLS 3. The study found a negative correlation between PTC and intention to use fintech. Situational factors, specifically the pandemic and impending policies, and environmental and physical surroundings, significantly moderated this relationship. The findings highlight the importance of cost management and trust-building strategies for fintech companies.
Publisher
Humanities and Social Sciences Communications
Published On
Jun 12, 2024
Authors
Haifeng Zhao, Nosherwan Khaliq, Chunling Li, Judit Oláh
Tags
perceived transaction costs
fintech
Pakistan
user intention
situational factors
trust-building
cost management

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