Analysis of constraints and their impact on adopting digital FinTech techniques in banks

Hussein Ahmed Alshari () and M. A. Lokhande ()
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Hussein Ahmed Alshari: Thamar University
M. A. Lokhande: Marathwada University

Electronic Commerce Research, 2025, vol. 25, issue 4, No 29, 3164 pages

Abstract: Abstract This study aims to investigate the effect of constraints; regulatory, technological, political, economic, and cultural, on the adoption of FinTech in banks through techniques of FinTech; artificial intelligence, big data, cloud computing, and blockchain in Yemen. The information for this study was collected through a questionnaire that included 332 respondents and was analyzed at the managerial level for 361 bank branches. Structural equation modeling through PLS, a disjoint two-stage approach, was used to approve the model's constructs. The study results reveal a significant negative effect of the constraints on adopting FinTech in banks. Technological, economic, and political constraints negatively affect banks' adoption of digital FinTech techniques. But regulatory and cultural constraints have an insignificant effect. This study may be important for specialists and those interested in FinTech development and valuable for decision-makers to address obstacles and keep pace with financial technology developments in Yemen.

Keywords: FinTech; Yemen; Artificial intelligence; Big data; Cloud computing; Blockchain (search for similar items in EconPapers)
Date: 2025
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DOI: 10.1007/s10660-023-09782-6

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