Quarterly Studies in Banking Management and Islamic Banking

A Model for Identifying Factors Influencing Fintech Adoption

Document Type : Original Article

Author

Mohammad Rasouli Dizaji

Employee of Sepah Bank Tabriz and member of Sepah Bank Researchers Club

10.22034/jifb.2026.544893.1633
Abstract
Fintech as a new technology has a wide space for growth, which shows the need to study the factors affecting the acceptance of these services. Fintech is the use of new technologies to provide financial services with greater efficiency, speed, and ease. The widespread acceptance of these technologies in different countries depends on various factors. Therefore, a theoretical framework was presented to analyze the acceptance and application of Fintech technology, which is based on technology acceptance theories. In this study, technology acceptance models were used to examine the acceptance of Fintech. The statistical population included employees of Sepah Bank Tabriz, of whom 341 randomly selected samples completed the questionnaire. The results of factor analysis confirmed the appropriate fit of the model. The results showed that subjective norms, attitudes, perceived behavioral control, and organizational trust have a positive and significant effect on behavioral intention. That is, by improving mental norms, attitudes, perceived behavioral control, and organizational trust towards bank FinTech technology services, the intention and use of services increases. This framework can be used to examine how FinTech technology is formed, accepted, and localized in government and public institutions.

Keywords

Technology Acceptance
Technology Application
FinTech

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