FACTORS AFFECTING THE ADOPTION OF FINANCIAL TECHNOLOGY AMONG THE BANKING CUSTOMERS IN EMERGING ECONOMIES

Mesbaul Haque Sazu and Sakila Akter Jahan
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Mesbaul Haque Sazu: Case Western Reserve University, Cleveland, USA.
Sakila Akter Jahan: Illinois State University, Normal, USA.

Studii Financiare (Financial Studies), 2022, vol. 26, issue 2, 39-54

Abstract: Financial Technology has shifted the way consumers use banking. Implementing new technology like big data, analytics, cloud computing and deep learning, banks can significantly improve accessibility, inclusivity, and increase profitability for banks. This article looks at the possible effect of Fintech and Big data Analytics on the efficiency of banking business. The study gathers data from clients of 53 banks across Asia and Latin America from May 2022 to July 2022 with 5436 observations. We conducted several regressions to gather statistical insights. The outcome of the study suggests that certain factors can significantly affect the adoption of FinTech more than others. Further studies should be conducted based on demographic characteristics of the customers as it may significantly affect the findings.

Keywords: Fintech; credit institutions; developing countries; clients’ preferences (search for similar items in EconPapers)
JEL-codes: G20 G21 G23 (search for similar items in EconPapers)
Date: 2022
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