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Fintech Adoption and Platformization
2010 - 2016
Adoption of fintech technologies was explained through technology acceptance frameworks across mobile and internet channels, with trust and perceived risk shaping attitudes in youth and diverse markets. The research highlighted regional variation in readiness, infrastructure, and institutions, and drew on cross-country comparisons and empirical analyses to map diffusion patterns. Methodologically, studies used survey data, cross-national datasets, and case-based analyses to unify explanations of adoption across contexts and to examine the role of regulation and market structure.
• Technology acceptance frameworks (Technology Acceptance Model, Unified Theory of Acceptance and Use of Technology, Task-Technology Fit, ITM) unify explanations of fintech adoption across mobile and internet banking contexts, including youth, emerging markets, and cross-country studies. [4], [5], [9], [10], [13], [14]
• Trust and perceived risk emerge as core antecedents or barriers to internet/mobile banking adoption, shaping attitudes and intentions across China, Yemen, Nigeria and other markets. [1], [3], [4], [7]
• Global fintech ecosystem dynamics and determinants—capital markets, mobile penetration, regulation, competition/cooperation—drive fintech emergence and strategic adoption patterns. [12], [17], [19], [20]
• Regional and market-level variation in online/mobile banking adoption reflects differences in market readiness, demographics, infrastructure, and institutional factors across Brazil, Morocco, Vietnam, and Nigeria. [2], [9], [10], [16]
Fintech Ecosystem Coevolution
2017 - 2023