Title: Exploring the link between fintech adoption and sustainable performance in the banking sector

Authors: Amjad Ghazi Al-Habashneh

Addresses: Finance and Banking Department, School of Business, Al Al-Bayt University, Mafraq 25113, P.O. Box 130040, Jordan

Abstract: This study looks at exploring the link between fintech adoption and sustainable performance in Jordanian banks. This study suggests a UTAUT model that identifies major factors that affect how quickly banks adopt fintech. Data was collected from 80 heads of departments, financial managers, and IT managers from 13 Jordanian banks. The study's outcomes substantiated the favourable influence of several factors on fintech adoption, namely technological infrastructure, perceived usefulness, perceived ease of use, trust, and security. Furthermore, the study confirmed the constructive contribution of fintech adoption to sustainable performance. This research offers practical guidance to policymakers and banking leaders to bolster fintech adoption for performance sustainability.

Keywords: technological infrastructure; perceived usefulness; perceived ease of use; trust and security; fintech; sustainable performance; banking sector.

DOI: 10.1504/IJPQM.2026.153324

International Journal of Productivity and Quality Management, 2026 Vol.47 No.4, pp.465 - 484

Received: 16 Aug 2023
Accepted: 13 Jan 2024
Published online: 01 May 2026 *

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