Fintech Adoption Determinants: A Gender-Based Analysis in Vietnam

Phuong Huyen Do, Minh Ngoc Do (), Khuong Linh Dang, Minh Duong Cao and Hai Yen Nguyen
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Phuong Huyen Do: Vietnam National University, International School
Minh Ngoc Do: Vietnam National University, International School
Khuong Linh Dang: Vietnam National University, International School
Minh Duong Cao: Vietnam National University, International School
Hai Yen Nguyen: Vietnam National University, International School

A chapter in Proceedings of the 6th International Conference on Research in Management & Technovation, 2026, pp 468-477 from Springer

Abstract: Abstract This study examines key factors influencing Fintech adoption, with a focus on gender differences in how users’ intentions and actual usage relate to core TAM and UTAUT constructs. Using data from Vietnamese users and a PLS-SEM approach, the results show that performance expectancy and attitude strongly predict behavioral intention for both genders, though with varying strength. Behavioral intention and performance expectancy also significantly drive actual usage. In contrast, facilitating conditions, social influence, and government support have weaker and more gender-dependent effects. Overall, the findings highlight the central role of perceived value and attitudes in Fintech adoption, while revealing important gender-specific patterns relevant to providers and policymakers in emerging markets.

Keywords: Fintech Adoption; Gender Inequality; TAM; UTAUT (search for similar items in EconPapers)
Date: 2026
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Persistent link: https://EconPapers.repec.org/RePEc:spr:prbchp:978-981-95-9113-8_38

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DOI: 10.1007/978-981-95-9113-8_38

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