Understanding FinTech Platform Adoption: Impacts of Perceived Value and Perceived Risk

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