Perceived transaction cost and its antecedents associated with fintech users' intention: Evidence from Pakistan
Электронный научный архив УРФУ
Информация об архиве | Просмотр оригинала| Поле | Значение | |
| Заглавие |
Perceived transaction cost and its antecedents associated with fintech users' intention: Evidence from Pakistan
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| Автор |
Li, C.
Khaliq, N. Chinove, L. Khaliq, U. Ullah, M. Lakner, Z. Popp, J. |
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| Тематика |
COST ANTECEDENTS
FINTECH IDT PERCEIVED TRANSACTION COST TCE |
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| Описание |
Researches depict a considerable degree of acknowledgment of financial technology improvement in Pakistan. However, the costs blocking clients' intention to utilize financial technology remain dubious. Building upon Transaction Cost Economics and Innovation diffusion theory, this paper hypothesizes that consumers' transaction cost of fintech is affected by nine antecedents: perceived asset specificity, complexity, product uncertainty, behavioral uncertainty, transaction frequency, dependability, limitations, convenience, and economic utility. Transaction cost has a negative relationship with consumers' intentions to use fintech for online buying or availing services. We tested the model using data gathered from the individuals. The results show that factors that are positively related to consumers' perceived transaction cost, among them product uncertainty (β = 0.231) is the greatest of factors, followed by behavior uncertainty (β = 0.209) and asset specificity (β = 0.17), those that are negatively associated are dependability (β = 0.11), and convenience (β = 0.224). The study is limited in scope, focusing primarily on cost factors. Future research may analyze additional cost-related elements and the actual use of financial technology by using samples from different countries. © 2023
Xi'an Eurasia University, EU; Ministry of Science and Higher Education of the Russian Federation: 018/RID/2018/19, PLN 10 788 423,16 H5 determines whether perceived transaction frequency has a negative relationship with cost. According to the results (PTF - > PTC, β = -0.031, t = 0.853, P = 0.394), this hypothesis is not supported.H6 is whether there is a negative relationship between the dependability of fintech and perceived transaction cost. The results (DPND - > PTC, β = -0.11, t = 2.433, P = 0.015) support this hypothesis.H8 states a negative relationship between convenience and perceived transaction cost. The results (C - > PTC, β = -0.224, t = 5.456, P = 0) support this hypothesis.H9 states a negative relationship between economic utility and perceived transaction cost. However, findings (EU - > PTC, β = 0.02, t = 0.605, P = 0.546) show that this hypothesis is not supported. The project was funded under the program of the Minister of Science and Higher Education titled “Regional Initiative of Excellence” in 2019–2022, project number 018/RID/2018/19, the amount of funding PLN 10 788 423,16. |
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| Дата |
2024-04-05T16:18:35Z
2024-04-05T16:18:35Z 2023 |
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| Тип |
Article
Journal article (info:eu-repo/semantics/article) |info:eu-repo/semantics/publishedVersion |
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| Идентификатор |
Li, C, Khaliq, N, Chinove, L, Khaliq, U, Ullah, M, Lakner, Z & Popp, J 2023, 'Perceived transaction cost and its antecedents associated with fintech users' intention: Evidence from Pakistan', Heliyon, Том. 9, № 4, e15140. https://doi.org/10.1016/j.heliyon.2023.e15140
Li, C., Khaliq, N., Chinove, L., Khaliq, U., Ullah, M., Lakner, Z., & Popp, J. (2023). Perceived transaction cost and its antecedents associated with fintech users' intention: Evidence from Pakistan. Heliyon, 9(4), [e15140]. https://doi.org/10.1016/j.heliyon.2023.e15140 2405-8440 Final All Open Access, Gold, Green https://www.scopus.com/inward/record.uri?eid=2-s2.0-85151319049&doi=10.1016%2fj.heliyon.2023.e15140&partnerID=40&md5=8ddbf9b22847c34c973d14a564d13cb2 http://www.cell.com/article/S2405844023023472/pdf http://elar.urfu.ru/handle/10995/130325 10.1016/j.heliyon.2023.e15140 85151319049 000998653100001 |
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| Язык |
en
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| Права |
Open access (info:eu-repo/semantics/openAccess)
cc-by-nc-nd https://creativecommons.org/licenses/by-nc-nd/4.0/ |
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| Формат |
application/pdf
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| Издатель |
Elsevier Ltd
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| Источник |
Heliyon
Heliyon |
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