Purpose

This paper aims to investigate the variables that could contribute to facilitating or hindering FinTech adoption in Jordan and how that will affect human well-being (quality of life [QoL]).

Design/methodology/approach

A conceptual framework was formulated through the integration of “the unified theory of acceptance and use of technology” (UTAUT), “task-technology fit” (TTF) model and two additional factors, namely, “financial literacy” (FL) and “quality of life” (QoL). A cross-sectional online survey was used to obtain data from 378 FinTech users employing a quantitative method. AMOS 26.0 was utilized to analyse the data based on “structural equation modelling” (SEM).

Findings

The analysis of the structural path found that UTAUT constructs including “performance expectancy (PE), effort expectancy (EE), facilitating conditions (FC), social influence (SI)”, and TTF were significant determinants of FinTech adoption. Only technology characteristics (TECH) was a significant predictor of TTF. Also, the analysis of empirical data revealed a significant mediating impact of FinTech adoption on the association between FL and QoL, underlining the important role of digital FL in digitalizing societies. Likewise, FL affected the QoL directly.

Practical implications

This research will be beneficial for “FinTech service providers” (FSPs) and policymakers to offer thorough insights regarding the current relatively low acceptance rates of FinTech, contributing to strategies’ formulation that could promote FinTech usage by Jordanian customers, where FinTech is still considered an innovative technology. In addition, FL needs to integrate digital literacy to utilize state-of-the-art technologies for more effective financial management. This is with being able to make decisions facilitating the management of life outcomes which could result in better QoL.

Originality/value

To the best of the author’s knowledge, this research is the first research paper that integrates the UTAUT and TTF models and also adds two additional constructs, namely, FL and QoL, to investigate the FinTech in the Jordanian setting. This study could contribute to the literature on IT adoption by considering FinTech usage and incorporation into individuals’ life in Jordan.

中文翻译：

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金融行业的数字化转型：金融科技采用的前因、金融知识和生活质量

 目的

本文旨在调查可能有助于促进或阻碍约旦金融科技采用的变量，以及这将如何影响人类福祉（生活质量 [QoL]）。

设计/方法论/途径

通过整合“技术接受和使用统一理论”（UTAUT）、“任务技术契合”（TTF）模型以及“金融素养”（FL）和“金融素养”两个附加因素，制定了概念框架。生活质量”（QoL）。采用横断面在线调查，采用定量方法从 378 名金融科技用户那里获取数据。利用 AMOS 26.0 基于“结构方程建模”（SEM）来分析数据。

 发现

对结构路径的分析发现，包括“绩效预期（PE）、努力预期（EE）、便利条件（FC）、社会影响力（SI）”和TTF在内的UTAUT结构是金融科技采用的重要决定因素。只有技术特征 (TECH) 是 TTF 的重要预测因素。此外，实证数据分析揭示了金融科技的采用对 FL 和 QoL 之间的关联产生显着的中介影响，强调了数字 FL 在数字化社会中的重要作用。同样，FL 直接影响生活质量。

 实际影响

这项研究将有利于“金融科技服务提供商”（FSP）和政策制定者就目前金融科技相对较低的接受率提供深入的见解，有助于制定战略，促进约旦客户使用金融科技，而金融科技仍然被认为是约旦客户的主要选择。创新技术。此外，FL 需要整合数字素养，利用最先进的技术实现更有效的财务管理。这是因为能够做出促进生活结果管理的决策，从而提高生活质量。

 原创性/价值

据作者所知，本研究是第一篇整合 UTAUT 和 TTF 模型的研究论文，还添加了两个额外的结构，即 FL 和 QoL，以研究约旦环境下的金融科技。这项研究可以通过考虑金融科技的使用和融入约旦个人生活来为信息技术采用的文献做出贡献。