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<p>The rapid expansion of financial technology (FinTech) has transformed global financial ecosystems. However, in India, FinTech providers continue to face challenges in motivating customers to integrate such services into their daily financial practices. This study aims to identify the determinants influencing Indian consumers’ behavioral intentions toward FinTech adoption by employing an extended Unified Theory of Acceptance and Use of Technology (UTAUT) framework. Using a random sampling approach, data were collected from 472 FinTech users across India and analyzed through Structural Equation Modeling (SEM) to examine the hypothesized relationships. The findings reveal that consumers’ behavioral intentions toward FinTech services are positively influenced by performance expectancy, customer support, social influence, effort expectancy, trustworthiness and privacy belief. Conversely, risk propensity is shown to have a negative impact by reducing the likelihood of FinTech adoption among users. Theoretically, the study enriches the technology adoption literature by extending the UTAUT framework with FinTech-specific constructs such as trust and privacy belief, thereby enhancing its contextual relevance to emerging economies. Practically, the results highlight the need for policymakers and FinTech firms to strengthen trust-building mechanisms, ensure privacy protection and enhance customer support systems. Promoting digital literacy and equitable access, particularly in underserved regions, can further foster inclusive FinTech adoption in India.</p>

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Determinants of behavioral intention of FinTech users: an extended UTAUT model by integrating trust and privacy belief

  • 期刊论文

  • 发表日期：

    2026年5月7日

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  • Shubham Garg,
  • Priyanka Rani,
  • Aman Garg

摘要

The rapid expansion of financial technology (FinTech) has transformed global financial ecosystems. However, in India, FinTech providers continue to face challenges in motivating customers to integrate such services into their daily financial practices. This study aims to identify the determinants influencing Indian consumers’ behavioral intentions toward FinTech adoption by employing an extended Unified Theory of Acceptance and Use of Technology (UTAUT) framework. Using a random sampling approach, data were collected from 472 FinTech users across India and analyzed through Structural Equation Modeling (SEM) to examine the hypothesized relationships. The findings reveal that consumers’ behavioral intentions toward FinTech services are positively influenced by performance expectancy, customer support, social influence, effort expectancy, trustworthiness and privacy belief. Conversely, risk propensity is shown to have a negative impact by reducing the likelihood of FinTech adoption among users. Theoretically, the study enriches the technology adoption literature by extending the UTAUT framework with FinTech-specific constructs such as trust and privacy belief, thereby enhancing its contextual relevance to emerging economies. Practically, the results highlight the need for policymakers and FinTech firms to strengthen trust-building mechanisms, ensure privacy protection and enhance customer support systems. Promoting digital literacy and equitable access, particularly in underserved regions, can further foster inclusive FinTech adoption in India.