Fintech innovations are enabling access to financial services through mobile devices for many unbanked in the world. Though fintech innovations are touted as game changers in deepening financial inclusion, their wide acceptance and use still remain limited. In the extant literature, technological and behavioural antecedents that influence users’ behaviour toward financial technologies are not fully understood. This study argues that understanding antecedents to the actual use of fintech innovations will lead to deepening financial inclusion. Using mobile money—a type of fintech innovation, this study adopts the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) and the Prospect theory. Drawing on survey data collected from 294 respondents, this study applies the partial least square structural equation modelling technique. The findings show that performance and effort expectancy have significant relationship with the intention to use mobile money services. However, contrary to well-established positions, price value, hedonic motivation, social influence and perceived risk do not influence intention and use of mobile money services. The study makes significant theoretical contributions and offers practical and policy implications for deepening financial inclusion.

金融科技的创新使世界上许多没有银行账户的人都可以通过移动设备访问金融服务。尽管金融科技创新被吹捧为深化金融包容性的游戏规则改变者，但它们的广泛接受和使用仍然受到限制。在现有的文献中，影响用户对金融技术的行为的技术和行为前因尚未得到充分理解。这项研究认为，了解金融科技创新实际使用的先例将导致金融包容性的加深。本研究使用金融科技创新的一种形式的移动货币，采用了技术接受与使用技术统一理论2（UTAUT2）和前景理论。根据从294位受访者那里收集的调查数据，本研究应用了偏最小二乘结构方程建模技术。研究结果表明，性能和预期工作量与使用移动货币服务的意图有着显着的关系。但是，与公认的立场相反，价格价值，享乐动机，社会影响力和感知风险不会影响移动货币服务的意图和使用。该研究做出了重要的理论贡献，为深化金融包容性提供了实践和政策意义。