Proposta de modelo de mensuração da adoção de serviços de Fintechs
DOI:
https://doi.org/10.23925/2178-0080.2021v23i3.52064Resumo
Este estudo propõe uma revisão sistemática de literatura buscando: Quais são
os fatores que influenciam a adoção de uma fintech? Dos trabalhos elecionados, 70% foram publicados em revistas de alto fator de impacto. O método mais utilizado para a análise dos dados foi a modelagem de equações estruturais, técnica usada para avaliar no desenvolvimento de construções teóricas a partir de construtos latentes (Neves, 2018). Dos fatores de adoção encontrados os construtos de design do produto, influência social, privacidade, confiança, utilidade percebida, facilidade percebida e atitude como os construtos principais que influenciam a intenção de uso e adoção dos serviços de fintech. Ao fim é proposto um modelo de mensuração de adoção de serviços de fintechs que conta com esses
construtos.
Metrics
Referências
Abdullah, E. R., Aisyah, A. R. R. (2018). “Adoption of financial technology (Fintech) in mutual
fund/ unit trust investment among Malaysians: Unified Theory of Acceptance and Use of
Technology (UTAUT)”. International Journal of Engineering and Technology (UAE). 7.
Ajzen, I. (1991). “The theory of planned behavior”. Organizational Behavior and Human Decision Processes, 50, 179-211.
Ajzen, I., & Fishbein, M (1980). Understanding attitudes and predicting social behavior.
Englewood Cliffs, NJ: Prentice Hall.
Albayati, H., Kim, S.K., Rho, J.J., (2020). Accepting financial transactions using blockchain
technology and cryptocurrency: A customer perspective approach. Technology in Society.
doi:10.1016/j.techsoc.2020.101320.
Alt, R., Beck, R., Smits, M T. (2018) Fintech and the transformation of the financial industry.
Eletronic Markets.
Arias-Oliva, M., Pelegrín-Borondo, J., Matías-Clavero, G., (2019).’Variables Influencing
Cryptocurrency Use: A Technology Acceptance Model in Spain’. Frontiers in Psychology.
doi:10.3389/fpsyg.2019.00475.
Arli, D., Van Esch, P., Bakpayev, M., Laurence, A., (2020). Do consumers really trust
cryptocurrencies? Marketing Intelligence & Planning. doi:10.1108/mip-01-2020-0036.
Arner, D. W., Barberis, Janos Nathan And Buckley, Ross P., (2015) The Evolution of Fintech: A
New Post-Crisis Paradigm? University of Hong Kong Faculty of Law Research Paper No.
/047; UNSW Law Research Paper No. 2016-62.
Banco Interamericano De Desenvolvimento (2018) Fintech na américa latina 2018: crescimento e consolidação.
Brown, I,. Cajee, Z., Davie, D., Storbel, S. (2003) “Cell phone banking: predictors of adoption in
South Africa – an exploratory study”. International Journal of Information Management 23
(2003) 381–394.
Belanche, D., Casaló, L. And Flavián, C. (2019),"Artificial Intelligence in FinTech:
understanding robo-advisors adoption among customers", Industrial Management & Data
Systems, 119(7). 1411-1430.
Caciatori Junior, I., Cherobim, A.P.M.S. (2020) "Academic production and technological
emergence in finance: Bibliometric study on FinTechs", Innovation & Management Review,
ahead-of-print.
Chaurasia, S.S., Verma, S., Singh, V., (2019). Exploring the intention to use M-payment in India.
Transforming Government People Process and Policy. doi:10.1108/tg-09-2018-0060
Čižinská, R., Krabec, T. & Venegas, P. (2016) “FieldsRank: The Network Value of the Firm”.
International Advances in Economic Research 22, 461–463.
Contreras Pinochet, L., Diogo, G., Lopes, E., Herrero, E. And Bueno, R. (2019), "Propensity of
contracting loans services from FinTech’s in Brazil". International Journal of Bank
Marketing, 37(5), 1190-1214.
Cruz, P., Barreto, L., Neto, F., Muñoz-gallego, P., Laukkanen, T. (2010),"Mobile banking rollout
in emerging markets: evidence from Brazil",International Journal of Bank Marketing, 28(5)
–371.
Davis, F.D., (1986) A Technology Acceptance Model for Empirically Testing New End-User
Information Systems: Theory and Results, doctoral dissertation, MIT Sloan School of
Management, Cambridge, MA, Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319-341
Elhajjar, S., Ouaida, F., (2019). An analysis of factors affecting mobile banking adoption. The
International Journal of Bank Marketing. doi:10.1108/ijbm-02-2019-0055
Foroughi, B., Iranmanesh, M., Hyun, S.S., (2019). ‘Understanding the determinants of mobile
banking continuance usage intention. Journal of Enterprise Information Management.
doi:10.1108/jeim-10-2018-0237.
Gimpel, H., Rau, D., Roglinger, M. (2018), “Understanding Fintech Start-Ups – A Taxonomy of
Consumer-Oriented Service Offerings”, Electronic Markets, 28(3), 245-264.
Glavee-Geo, R., Shaikh, A.A., Karjaluoto, H., Hinson, R.E., (2019). Drivers and outcomes of
consumer engagement. The International Journal of Bank Marketing. doi:10.1108/ijbm-01-
-0007.
Gomber, P., Koch, J., Siering, M. (2017) “Digital finance and Fintech: Current Research and
Future research directions”. Journal of Business Economic 87, 537-580.
Hasan, M. M., Yajuan, L., Mahmud, A. (2020). Regional Development of China’s Inclusive
Finance Through Financial Technology. Sage open.
Handarkho, Y.D., Harjoseputro, Y., (2019). “Intention to adopt mobile payment in physical
stores”. Journal of Enterprise Information Management. doi:10.1108/jeim-06-2019-0179.
Hu, Z. D., Shuai, L., Shizheng, C., Luting Y, S. (2019). Adoption Intention of Fintech Services for
Bank Users: An Empirical Examination with an Extended Technology Acceptance Model.
Symmetry.
Jun, J., Yeo, E., (2016) “Entry of fintech firms and competition in there tail payments market”.
The Asia-Pacific Journal of Financial Studies 45,159–184.
Jünger, M., Mietzner, M. (2019). Banking Goes Digital: The Adoption of FinTech Services by
German Households. Finance Research Letters.
Kaabachi, S., Ben Mrad, S., Fiedler, A., (2019a). ‘The moderating effect of e-bank structure on
French consumers’ trust. The International Journal of Bank Marketing. doi:10.1108/ijbm04-2019-0119.
Kaabachi, S., Ben Mrad, S., O’Leary, B., (2019b). ‘Consumer’s initial trust formation in IOB’s
acceptance’. The International Journal of Bank Marketing. doi:10.1108/ijbm-12-2017-0270
Kalinić, Z., Liébana-Cabanillas, F.J., Muñoz-Leiva, F., Marinković, V., 2019. The moderating
impact of gender on the acceptance of peer-to-peer mobile payment systems. The
International Journal of Bank Marketing. doi:10.1108/ijbm-01-2019-0012.
Kim, D. J., Ferrin, D. L., Rao, R. (2008). A Trust-Based Consumer Decision-Making Model in
Electronic Commerce: The Role of Trust, Perceived Risk, and Their Antecedents. Decision
Support Systems.
Kim, G., Shin, B., Lee G.H (2009) “Understanding dynamics between initial trust and usage
intentions of mobile banking” - Info Systems Journal 19, 283–311.
Knewtson, H., Rosenbaum, Z. (2020). Toward understanding FinTech and its industry.
Managerial Finance.
Koenig-lewis, N., Palmer, A., Moll, A., (2010) “Predicting young consumers’ take up of mobile
banking services”. The International Journal of Bank Marketing, 28(5), 410-432.
https://doi.org/10.1108/02652321011064917.
Laukkanen, T. (2007), “Measuring mobile banking customers’ channel attribute preferences in
service consumption”. International Journal of Mobile Communications, 5(2), 123-38.
Laukkanen, T., Sinkkonen, S. And Laukkanen, T. (2008), “Consumer resistance to internet
banking: postponers, opponents and rejectors”. The International Journal of Bank
Marketing, 26(6), 440-55.
Laukkanen, T., Kiviniemi, V. (2010) The role of information in mobile banking resistance. The
International Journal of Bank Marketing, 28(5), 372-388. https://doi.org/10.1108/02652321011064890372-388.
Laforet, S., Li, Xiaoyan. (2005) – Consumer’s attitudes towards online and mobile banking in
China. The International Journal of Bank Marketing, 23(5), 362-380. https://doi.org/10.1108/02652320510629250.
Mallett, R., Hagen-zanker, J., Slater, R., & Duvendack, M. (2012). The benefits and challenges of
using systematic reviews in International Development Research. Journal of Development
Effectiveness, 4(3), 445-455.
Mayer, R., Davis, J., Schoorman, F. (1995) An integrative model of organizational trust. The
Academy of Management Review, 20(3), 709-734.
Mazambani, L. and mutambara, E. (2019), "Predicting FinTech innovation adoption in South
Africa: the case of cryptocurrency", African Journal of Economic and Management Studies,
(1), 30-50.
Micu, A., Micu, I (2016) “Financial technology (fintech) and its implementation on the romenian non-banking capital market”. SEA - Practical Application of Science, 2016(11), 379-384.
Milian, E.Z., Spinola, M.D.M., Carvalho, M.M.D., (2019). “Fintechs: A literature review and
research agenda”. Electronic Commerce Research and Applications, 34. https://doi.org/10.1016/j.elerap.2019.100833.
Mcknight, D.H., Cummings, L.L., Chervany, N.L., (1998). ‘Initial Trust Formation in New
Organizational Relationships’. The Academy of Management Review. doi:10.5465/amr.1998.926622.
Mostafa, R.B. (2020), "Mobile banking service quality: a new avenue for customer value cocreation", The International Journal of Bank Marketing, 38(5), 1107-1132.
https://doi.org/10.1108/IJBM-11-2019-0421.
Neves, J. A. B., (2018). Modelo de equações estruturais: Uma introdução aplicada. Brasília: Enap, 2018. 81p. ISBN 978-85-256-0089-9.
OCDE (2011) Measuring Financial Literacy: Questionnaire and Guidance Notes for Conducting
an Internationally Comparable Survey of Financial Literacy. Periodical Measuring Financial
Literacy: Questionnaire and Guidance Notes for conducting an Internationally Comparable
Survey of Financial Literacy.
OCDE (2018), Financial Markets, Insurance and Private Pensions: Digitalisation and Finance.
Okello Candiya Bongomin, G., Ntayi, J., (2019). ‘Trust: mediator between mobile money adoption and usage and financial inclusion’. Social Responsibility Journal. doi:10.1108/srj-01-2019-0011.
RadarFintechLab - Oitava Edição Radar Fintechlab (Fintechlab). (2019).
Rosavina, M., rahadi, R., kitri, M., nuraeni, S. and mayangsari, L. (2019), "P2P lending adoption
by SMEs in Indonesia". Qualitative Research in Financial Markets, 11(2), 260-279
Ryu, H.-S., (2018). ‘What makes users willing or hesitant to use Fintech? the moderating effect of user type’. Industrial Management & Data Systems. doi:10.1108/imds-07-2017-0325
Schueffel, P. (2016) “Taming the Beast: A Scientific Definition of Fintech”. Journal of Innovation
Management, 4(4), 32-54. https://doi.org/10.24840/2183-0606_004.004_0004.
Shaikh, I.M., Qureshi, M.A., Noordin, K., Shaikh, J.M., Khan, A., Shahbaz, M.S., (2020).
Acceptance of Islamic financial technology (FinTech) banking services by Malaysian users:
an extension of technology acceptance model. Foresight. doi:10.1108/fs-12-2019-0105.
Sinha, M., majra, H., Hutchins, J. and Saxena, R. (2019) "Mobile payments in India: the privacy
factor". International Journal of Bank Marketing, 37(1), 192-209.
Shim, Y., Shim, D.H. (2015) “Analyzing China’s Fintech Industry from perspective of actornetwork theory”. Telecommunications Policy.
Stewart, H., Jürjens, J. (2018) "Data security and consumer trust in FinTech innovation in
Germany". Information and Computer Security, 26(1), 109-128.
Transfield, D., Denyer, D., Smart., Palminder (2003) “Towards a methodology for developing
evidence-informed management knowledge by means of systematic review”. British Journal
of Management, 14. 207-222.
Vasiljeva, T., & Lukanova, K. (2016).” Commercial Banks and Fintech Companies in The Digital
Transformation: Challenges For The Future”. Journal of Business Management, 11, 25-33.
Ventura, A., Koenitzer, M., Stein, P., Tufano, P., & Drummer, D. (2015). The Future of Fintech:
A Paradigm Shift In Small Business Finance. Geneva: World Economic Forum, Global
Agenda Council on The Future of Financing and Capital.
Venkatesh, V., Davis, F.D., (2000). ‘A Theoretical Extension of the Technology Acceptance’
Model: Four Longitudinal Field Studies. Management Science. doi:10.1287/mnsc.46.2.186.11926.
Wang, Z., guan, Z., hou, F., li, B., zhou, W. (2019), "What determines customers’ continuance
intention of FinTech? Evidence from YuEbao", Industrial Management & Data Systems,
(8), 1625-1637.
Zavolokina, L.; Dolata, M.; Schwabe, G. (2016). “The Fintech Phenomenon: Antecedents of
Financial Innovation Perceived by The Popular Press”. Financial Innovation, 2(1), 16.
Zhang, Y., chen, X., liu, X. and zhu, N. (2018), "Exploring trust transfer between internet
enterprises and their affiliated internet-only banks: An adoption study of internet-only banks
in China". Chinese Management Studies, 12(1), 56-78.
Xie, P., Zou, C., Liu, H., (2016). “The fundamentals of internet finance and its policy implications
in China”. China Economic Journal, 9(3), 240-252.
Downloads
Publicado
Como Citar
Edição
Seção
Licença
Copyright (c) 2021 Revista Administração em Diálogo - RAD
Este trabalho está licenciado sob uma licença Creative Commons Attribution 4.0 International License.
Este obra está licenciado com uma Licença Creative Commons Atribuição 4.0 Internacional.
