FinTech platforms are one of the most important elements in the rapidly digitized world’s economy. This study investigates the factors that affected individuals’ acceptance of FinTech services, especially on internet wealth management platforms. The current research extends the unified theory of acceptance and use of technology (UTAUT) published by MIS Quarterly with integrated financial consumption attributes (i.e., perceived value and perceived risk) alongside the core construct of UTAUT. Data were collected from an established survey company. The empirical results indicate that perceived value, perceived risk, and social influence are strongly related to individuals’ FinTech adoption intention, whereas performance expectancy, effort expectancy, and perceived risk affect individuals’ perceived value, which in turn influences adoption intention. The proposed FinTech adoption model could contribute to information technology (IT) adoption research by extending the UTAUT in which individuals’ performance expectancy and effort expectancy affect their adoption intention indirectly through perceived value. Finally, the implications of the proposed new model for future research and FinTech practice are discussed.

中文翻译：

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了解金融科技平台的采用：感知价值和感知风险的影响

金融科技平台是快速数字化世界经济中最重要的元素之一。本研究调查了影响个人接受金融科技服务的因素，尤其是在互联网财富管理平台上。当前的研究扩展了由 MIS Quarterly 发布的统一技术接受和使用理论 (UTAUT)，在 UTAUT 的核心结构旁边具有集成的金融消费属性（即感知价值和感知风险）。数据是从一家成熟的调查公司收集的。实证结果表明，感知价值、感知风险和社会影响与个人金融科技采用意愿密切相关，而绩效期望、努力期望和感知风险会影响个人感知价值，进而影响采用意愿。拟议的金融科技采用模型可以通过扩展 UTAUT 来促进信息技术 (IT) 采用研究，其中个人的绩效预期和努力预期通过感知价值间接影响他们的采用意图。最后，讨论了所提议的新模型对未来研究和金融科技实践的影响。