User acceptance intention of mobile financial services: an application of gender moderating effect

Razia Sultana Sumi (), Imranul Hoque () and Mahjabeen Ahmed ()
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Razia Sultana Sumi: Jagannath University
Imranul Hoque: Jagannath University
Mahjabeen Ahmed: Jagannath University

Journal of Financial Services Marketing, 2025, vol. 30, issue 1, No 7, 17 pages

Abstract: Abstract The innovative and versatile nature of advanced technology in financial services is examined through the lens of financial technology (FinTech), such as digitized mobile financial services (MFS). By integrating the technology acceptance model (TAM) and information systems success (ISS) model, this study investigates users’ intention to use FinTech services in the context of a developing country, while considering the moderating influence of gender on the factors impacting MFS usage intention. This quantitative study gathered data from 308 participants in Bangladesh through a structured questionnaire survey. Confirmatory factor analysis and structural equation modeling were utilized for hypothesis testing. The results indicate that all variables in the TAM and ISS models have a notable positive influence on users’ intentions to accept MFS. The study also shows significant gender influences on user usage intention in the adoption of MFS. Financial institutions and MFS providers may find the data useful in developing future plans to improve MFS services by removing current obstacles and gaps in the wake of COVID-19.

Keywords: Mobile financial services; Technology acceptance model; DeLone and McLean’s ISS model; Consumer usage intention; Financial inclusion (search for similar items in EconPapers)
Date: 2025
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DOI: 10.1057/s41264-025-00300-3

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