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

under the factor questions is delivered in Likert format. Most study use 7-point Likert scale. This will improve reliability to optimum level (Joshi et al, 2015). c) Sampling Method The sampling method to be used commonly used in Fintech adoption research is convenience sampling. The investigator (s) prioritized selection of the respondents based on users that are much willing and ready to complete the questionnaire. It is a non- probability method used by researchers to make sample from people that are in a close proximity (Etikan et al, 2016). Also, large sample size is needed to form research deduction based on convenience sampling. d) Sample Research Hypothesis Research hypothesis are formulated from the constructs of the selected model. Sample below is shown below Table 4: Typical research hypothesis Hypothesis Number Hypothesis Linking Models to Research Questions H1 Performance Expectancy will have significant influence on use intention of Fintech services among financial users. Performance Expectancy as mentioned in UTAUT which is analogous Perceived Usefulness in TAM model H2 Effort expectancy will have significant influence on use intention of Fintech services among financial users Effort Expectancy as mentioned in UTAUT which is analogous Perceived Ease of Use in TAM model H3 Social influence will have significant influence on use intention of Fintech services among users As stated in UTAUT model to measure influence from family, friend and colleague H4 Facility conditions will have significant influence on effort expectancy of Fintech services among users As stated in UTAUT model to measure robustness of the new technology in when compared to its ease of use. H5 Facility conditions will have significant influence on use intention of Fintech services among users As stated in UTAUT model to measure robustness of the new technology in when compared to its usefulness H6 Perceived risk will have a significant influence on use intention among financial users Based on TPR model H7 Education level plays the moderating role in research model concerning users’ intention to use financial services Based on Diffusion model H8 Financial risk is positively associated with its perceived risk among users Based on TPR model H9 Security risk is positively associated with its perceived risk among users Based on TPR model H10 Operational risk is positively associated with its perceived risk among users Based on TPR model H11 Legal risk is positively associated with its perceived risk among users Based on TPR model e) Validity and Reliability In order to make sure content validity and survey questions are relevant and suitable, pilot test is carried out. This will be reviewed by expert against targeted measures. Also, all proposed constructs is tested using Cronbach alpha coefficient for acceptability. Cronbach Coefficient Internal Consistency 0.9 and above Excellent 0.8 – 0.9 Good 0.7 – 0.8 Acceptable 0.6 – 0.7 Questionable 0.5 – 0.6 Poor In many research work, confirmatory factor analysis is used to test model. Also, convergent validity and discriminant validity is carried out. Convergent validity will show correlation extent of multiple indicators for a specific variable. This is done by measuring average variance extracted (AVE). AVE measures of the sample should be greater than 0.5 to indicate convergency in applicable constructs. Discriminant validity indicates no linkage between each variable (measures of each variable can be distinguish from one another). It is tested by evaluating that AVE is greater than the squared interscale correlation for all constructs. Similarly, composite reliability (CR) and Cronbach’s alpha is used to test internal consistency of the data collected. For the proposed model to show good internal consistency CR should be greater than 0.7 and Cronbach’s alpha should be greater than 0.8 (Fornell & Larcker, 1981). 25 Global Journal of Management and Business Research Volume XXII Issue I Version I Year 2022 ( ) A © 2022 Global Journals Discussion on Fintech Adoption Research