Unveiling the Future of FinTech: Exploring the Behavioral Intentions Behind FinTech Adoption

Attila Kurucz, Tamás Vinkóczi (), Borbála Tamás and Ewelina Idziak
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Attila Kurucz: Department of Corporate Leadership and Marketing, Kautz Gyula Faculty of Business and Economics, Széchenyi István University, 9026 Győr, Hungary
Tamás Vinkóczi: Department of Corporate Leadership and Marketing, Kautz Gyula Faculty of Business and Economics, Széchenyi István University, 9026 Győr, Hungary
Borbála Tamás: Department of Applied Psychology, Babeș-Bolyai University, 400347 Cluj-Napoca, Romania
Ewelina Idziak: Department of Law and Economics, Uniwersytet Kazimierza Wielkiego, 85-064 Bydgoszcz, Poland

JRFM, 2025, vol. 18, issue 10, 1-19

Abstract: In addition to the technological aspects of FinTech solutions, it is important to consider user willingness, particularly among the digitally savvy Generation Z. We conducted a survey in Hungary and Poland to gather information on young people’s use of FinTech applications and their attitudes towards FinTech services. In our research, we built on the already known technology adoption model (UTAUT) and combined it with an attitudinal study. To determine the factors that influence the propensity to use these services, we developed a hypothetical model and tested it with the results of the first round of the survey ( n = 117). CB-SEM was used to investigate the relationship between attitudes, social influence, and intention to use behavior. The paper presents the significant relationship characteristics, model structure, and potential business applications of the results.

Keywords: FinTech; digital attitudes; generation Z; CB-SEM modeling (search for similar items in EconPapers)
JEL-codes: C E F2 F3 G (search for similar items in EconPapers)
Date: 2025
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