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An analysis on fintech apps for payments

  • The aim of this study consists oftwo main objectives: First,to investigatethe penetration and preferences of fintech solutions from the payments sector within the studied population, as well as the elaboration of a forecast for the upcoming years.Second, to examinethe main elements that influence the intention of young customers when deciding to adopt fintech-basedpayment solutions. Existing research has tested several factorsfrom which the variables of trust, transaction efficiency and ease of use are included onthis paper. Additionally,the value-added propositionfrom this studyis represented by the incorporation of sustainability-related purposes into thisanalysiswith the intention of reflecting the increasing presence of efforts to integrate this component within thefinancial industryin recent years.A research model is proposed and tested by including elements based on theTechnology Adoption Model (TAM). By exploring the results of primary data through asurvey with 463 responses from university studentsandexamining secondary sourcesof information, the findings of this study demonstratethat all four tested variables have a positive impact on the intention of using fintech-based payment solutions.Sustainability-related purposes do not play a major role in the decision of using these apps, however, even with a minimal influence, theeffect on intention is positiveand statistically significant. The findings of this study pose important implications for stakeholders within the fintech spectrum whose purposes are related to increasing the intention of young consumers towards using these productsandto provide enoughevidence of the importance of designing incentives that fuel sustainability stewardshipwithin the financial sector.

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Author:Maria Fernanda Quevedo
Advisor:Eva Kirner
Document Type:Master's Thesis
Year of Completion:2019
Granting Institution:Hochschule Furtwangen
Date of final exam:2019/03/25
Release Date:2019/09/03
Tag:Ease of use; Fintech-based payment solutions; Sustainability-related purposes; TAM; Transaction efficiency; Trust; Young consumers
Degree Program:IMM - International Management
Functional area:Finance & Accounting
Open Access :Frei verf├╝gbar
Licence (German):License LogoEs gilt das UrhG