earticle

영어

Due to the rapid growth of digital finance, it is important to understand the factors influencing user adoption. The current study examined how personality traits (PT) drive users towards FinTech adoption (FIA). This study employs the Big Five Personality Model to explore the antecedents of FIA. A partial modeling structural equation modeling (PLS-SEM) and fuzzy-set qualitative comparative analysis (fsQCA) methodology was used for finding out the relationship between PT and FIA. The outcomes from the analysis indicate that all the proposed variables directly and positively influence FIA. These findings have implications for FinTech service providers and academicians for their understanding of the key characteristics driving this sector. This study significantly enhances the existing literature by examining the role of PT, User Innovativeness (UI), and Financial Literacy (FL) as key drivers of FIA, offering unique and innovative insights into these determinants. Furthermore, the study provides a vigorous methodological contribution by integrating linear PLS and nonlinear fsQCA techniques.