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Название: | Perceived transaction cost and its antecedents associated with fintech users' intention: Evidence from Pakistan |
Авторы: | Li, C. Khaliq, N. Chinove, L. Khaliq, U. Ullah, M. Lakner, Z. Popp, J. |
Дата публикации: | 2023 |
Издатель: | Elsevier Ltd |
Библиографическое описание: | 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 |
Аннотация: | 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 |
Ключевые слова: | COST ANTECEDENTS FINTECH IDT PERCEIVED TRANSACTION COST TCE |
URI: | http://elar.urfu.ru/handle/10995/130325 |
Условия доступа: | info:eu-repo/semantics/openAccess cc-by-nc-nd |
Текст лицензии: | https://creativecommons.org/licenses/by-nc-nd/4.0/ |
Идентификатор SCOPUS: | 85151319049 |
Идентификатор WOS: | 000998653100001 |
Идентификатор PURE: | 37136761 |
ISSN: | 2405-8440 |
DOI: | 10.1016/j.heliyon.2023.e15140 |
Сведения о поддержке: | 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. |
Располагается в коллекциях: | Научные публикации ученых УрФУ, проиндексированные в SCOPUS и WoS CC |
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Лицензия на ресурс: Лицензия Creative Commons