FinTech applications adoption: the trust, behavioural and recommendation intention to use FinTech applications by elderly residents in India

Varun Kesavan and Aruna Polisetty

International Journal of Process Management and Benchmarking, 2026, vol. 23, issue 2, 236-262

Abstract: This study aims to identify the factors that influence the adoption of financial technology (FinTech) services among individuals aged 50 years and above in India. The research investigates both the motivators and hurdles to creating early confidence in FinTech services. The findings indicate that perceived utility substantially influences FinTech adoption. Nonetheless, contrary to anticipations, perceived reputation did not significantly influence initial trust. The research indicates that digital financial literacy acts as a crucial mediator between initial trust and the outcome variables of behavioural and ongoing intentions. This study provides essential information for FinTech service providers and stakeholders, aiding them in formulating and executing relevant policies to expand the consumer base. This study is, to the researchers' knowledge, the first investigation into the influence of gender on technology adoption among older adults within the FinTech industry.

Keywords: digital financial literacy; DFL; FinTech adoption; financial literacy; financial technology; policies; India. (search for similar items in EconPapers)
Date: 2026
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