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Fintech services and the drivers of their implementation in small and medium enterprises

2022Journal article Open access
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dc.contributor.authorMoreira, Diana
dc.contributor.authorAu-Yong-Oliveira, Manuel
dc.contributor.authorMoreira, Ana
dc.date.accessioned2022-11-18T16:30:00Z
dc.date.available2022-11-18T16:30:00Z
dc.date.issued2022
dc.description.abstractFintech has been one of the biggest agents of change in the financial sector worldwide, deserving an in-depth analysis as the aim of this study (including factors leading to its adoption, consequences, etc.). During the COVID-19 pandemic, the financial area and Fintech services allied to technology has increased efficiency, convenience, and security. To better understand this type of service, the research follows a quantitative methodology. The quantitative method included a questionnaire survey of companies that are Fintech customers, totaling 49 valid responses from firms (collected over a three-month period and which involved sending over a thousand emails to numerous companies). The response rate was low due to both the pandemic and the conjuncture with major war, which are generating uncertainty in business. The analysis was based on descriptive statistics, an assessment of the metric qualities of the scales, reliability and an Exploratory Factor Analysis, Pearson correlations and Hypothesis testing. The positive and significant effect of the technological context (perceived convenience, usefulness and effectiveness and perceived safety and trust) and the organizational context (ecological footprint reduction and internal cost reduction) on Fintech service adoption intention was confirmed. Hypothesis Three was partially confirmed since only consumer trends and reputation perception have a positive and significant effect on the intention to adopt Fintech by SMEs. The moderating effect of the environmental context in the relationship between the technological context and the intention to adopt Fintech by SMEs was partially proven, but the same was not verified in the relationship between the organizational context and the intention to adopt Fintech by SMEs. Portugal seems to be on the same adoption path as the rest of the western world, and Fintech services will undoubtedly increase, in a kind of revolution in which the strongest and those able to adapt to the markets and their needs will survive.pt_PT
dc.description.versioninfo:eu-repo/semantics/publishedVersionpt_PT
dc.identifier.citationMoreira-Santos, D., Au-Yong-Oliveira, M., & Palma-Moreira, A. (2022). Fintech services and the drivers of their implementation in small and medium enterprises. Information (Switzerland), 13(9). https://doi.org/10.3390/info13090409pt_PT
dc.identifier.doi10.3390/info13090409pt_PT
dc.identifier.urihttp://hdl.handle.net/10400.12/8819
dc.language.isoengpt_PT
dc.peerreviewedyespt_PT
dc.publisherMDPI Multidisciplinary Digital Publishing Institutept_PT
dc.rights.urihttp://creativecommons.org/licenses/by/4.0/pt_PT
dc.subjectFintechpt_PT
dc.subjectFinancept_PT
dc.subjectDigital financept_PT
dc.subjectSaaSpt_PT
dc.subjectDigital innovationpt_PT
dc.subjectCOVID-19pt_PT
dc.subjectE-commercept_PT
dc.subjectDisruptive innovationpt_PT
dc.subjectFintech ecosystempt_PT
dc.titleFintech services and the drivers of their implementation in small and medium enterprisespt_PT
dc.typejournal article
dspace.entity.typePublication
oaire.citation.issue9pt_PT
oaire.citation.startPage409pt_PT
oaire.citation.titleInformationpt_PT
oaire.citation.volume13pt_PT
person.familyNameMoreira
person.familyNameAu-Yong-Oliveira
person.familyNameMoreira
person.givenNameDiana
person.givenNameManuel
person.givenNameAna
person.identifier1611261
person.identifier.ciencia-id8D1F-C933-D4EC
person.identifier.ciencia-idE61C-D6B7-1217
person.identifier.orcid0000-0001-6707-8871
person.identifier.orcid0000-0002-2154-6171
person.identifier.orcid0000-0002-4799-874X
person.identifier.scopus-author-id57193326824
person.identifier.scopus-author-id57224107907
rcaap.rightsopenAccesspt_PT
rcaap.typearticlept_PT
relation.isAuthorOfPublication9172d6a0-94f9-405d-849d-28dc7d5d1362
relation.isAuthorOfPublicationedbb280d-2516-420f-8af3-697ca4c8f5d6
relation.isAuthorOfPublicationf51e9fc7-2cd4-41bc-810c-b5ac17842e4d
relation.isAuthorOfPublication.latestForDiscoveryf51e9fc7-2cd4-41bc-810c-b5ac17842e4d

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