Title: Influence of individual's readiness and perceived behavioural control nexus on the behavioural intention towards FinTech adoption

Authors: Deergha Sharma; Neha Kumar; Parul Kumar

Addresses: School of Management and Liberal Studies, The NorthCap University, Huda, Sector 23A, Gurugram, Haryana 122017, India ' School of Management and Liberal Studies, The NorthCap University, Huda, Sector 23A, Gurugram, Haryana 122017, India ' Department of Banking, Financial Services and Insurance, Delhi Skill and Entrepreneurship University, Sector 9, Dwarka, New Delhi, India

Abstract: The FinTech gateway has opened new channels for approaching customers with novel technologies and improving their overall experience. The study aims to determine the drivers of FinTech adoption and investigate the role of psychological factors in promoting the diffusion of financial services rendered through digital platforms. While integrating the theory of planned behaviour and unified theory of acceptance and use of technology framework, the study determined their synergistic impact on behavioural intentions to adopt FinTech services. The data of 654 respondents has been collected using a mix of random and snowball sampling techniques. To test various proposed hypotheses, PLS-SEM has been used. The techniques of blindfolding and PLS predict were used to test the in-sample and out-of-sample predictive ability of the model, respectively. The financial literacy and perceived trust are the most critical factors driving FinTech adoption. The study proposed controllables were also significant in influencing FinTech adoption. Additionally, the study indicated that perceived behavioural control fully mediates the relationship between facilitating conditions and behavioural intentions.

Keywords: financial literacy; FL; psychological controllables; PC; facilitating conditions; FC; perceived trust; PT; performance expectancy; PE.

DOI: 10.1504/IJPMB.2025.144798

International Journal of Process Management and Benchmarking, 2025 Vol.19 No.4, pp.443 - 461

Received: 19 Dec 2023
Accepted: 27 Dec 2023
Published online: 03 Mar 2025 *

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