Islamic Fintech Adoption Readiness in Pakistan

John Robert Hamilton () and Dil Nawaz Hakro
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John Robert Hamilton: Cairns Institute, James Cook University, Cairns 4878, Australia
Dil Nawaz Hakro: College of Business Law and Governance, James Cook University, Cairns 4878, Australia

FinTech, 2025, vol. 4, issue 4, 1-24

Abstract: iFintech is termed as an Islamic alternative banking and financial services approach to that of existing, Fintech digital, Western democracies banking and financial systems. This Pakistan Islamic digital banking and financial services technologies (iFintech) study engages a qualitative NVivo study, and a quantitative covariance based structural equation modelling (CB-SEM) study to assess how young, tech savvy, capital city respondents likely approach their readiness to adopt iFintech. Study data engages qualitative assessments and quantitative framework modelling. Research findings show a competencies and capabilities framework enlists three major pathways (economic worth, social acceptance, plus technical transfer associated risks) that can influence iFintech adoption readiness. This empirical study presents a new, robust, iFintech adoption readiness approach which predominantly Islamic countries like Pakistan may choose to consider when encouraging their young, tech savvy, capital city residents towards adopting digital banking and financial services within their nation.

Keywords: Islam; digital Fintech; banking; financial services; qualitative NVivo; quantitative CB-SEM (search for similar items in EconPapers)
JEL-codes: C6 F3 G O3 (search for similar items in EconPapers)
Date: 2025
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