Global Journal of Management and Business Research, A: Administration and Management, Volume 22 Issue 1

Table 2: Typicalresearch questionnaire using UTAUT constructs Table 3: Existing researches on Fintech Adoption 22 Global Journal of Management and Business Research Volume XXII Issue I Version I Year 2022 ( ) A © 2022 Global Journals Discussion on Fintech Adoption Research S/n Research Title Author (s) Year 1. Factors influencing the adoption of Internet Banking S. Naimi Baraghani 2008 2. Applying Theory of Perceived Risk and Technology Acceptance Model in the online shopping channel Huang Jing-Wen and Yong-Hui Li 2009 3. Extending the Unified Theory of Acceptance and Use of Technology V Venkatesh, J. Thong, Xin Xu 2012 4. Understanding Benefit and Risk Framework of Fintech Adoption: Comparison of Early Adopters and Late Adopters Hyun-Sun Ryu 2018 5. An adoption of Fintech Services in Malaysia Tun-Pin Chong Keng-Soon William Choo Yen-Sun Yip Pui-Yee Chan Hong-Leong Julian The Shwu-Shing Ng 2019 UTAUT has been condemned by few researchers in their works such as Bagozzi Richard 2007 and Li Jerry 2020 due to many variables embedded in UTAUT be default and make outputs ambiguous. Perhaps UTAUT has been successfully utilized by many technology adoption investigation studies across the world such as study of perceptions of some individuals in Northern Finland toward mobile services by Koivumaki et al 2007, study of factors contributing to mobile learning adoption among museum staffs in England by Welch et al 2020 and Social Media adoption by selected non-profit organization in United States by Curtis et al 2020. Also, the core UTAUT model was extended and well utilized in some studies like influence of online social support on network information technology usage by Lin and Anol 2008, Model of acceptance with peer support (MAPS) Sykes et al 2009 and study of gender differences in mobile internet acceptance by Wang and Wang 2010. Thus, with UTAUT and other theories (TRA, TAM, IDT) we will be able to investigate empirically why some users are ready and willing to adopt new technology in their financial transaction while others are skeptical. Few Existing research on Fintech services adoption. The following are few notable research works on Fintech adoption in chronological order.