ISSN: IJSB: 2520-4750 (Online), 2521-3040 (Print) JSR : 2708-7085 (online)

Factors Affecting Adoption of Fintech in Bangladesh

Author (s)

Rashedul Hasan



This study objective is to understand the factors affecting the users for accepting the FinTech service and identify the key elements of consumer behavioural intension & consumer awareness. This research is based on the Technological Acceptance Model (TAM) where some other variable such as Perceived Risk, Brand and Trust, Government Support, and User Innovativeness in addition with   Perceived Usefulness and Perceived ease of use are used to explain the attitude toward using and behavioral intention of Fintech product and services. Data were collected from 160 respondents for empirical investigation. Structured Equation Model (SEM) has been used to analyze data to test hypothesis and relationship with variable. The result shows that Brand Image and Trust and Perceived Risk (PR) and have major roles on the behavioral intention to use fintech service. The study contributes to the literature of the adoption of fintech in a comprehensive may.  The result of the research can be used by the manager of fintech industry specially to offer new product and services.

 Keywords: FinTech, FinTech Adoption,TAM,  TAM2, SEM.


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Title: Factors Affecting Adoption of Fintech in Bangladesh
Author: Rashedul Hasan
Journal Name: International Journal of Science and Business
ISSN: ISSN 2520-4750 (Online), ISSN 2521-3040 (Print)
Media: Online
Volume: 5
Issue: 9
Acceptance Date: 09/09/2021
Date of Publication: 13/09/2021
Free download: Available
Page: 156-164
First Page: 156
Last Page: 164
Paper Type: Research Paper
Current Status: Published


Cite This Article:

Hasan, R. (2021). Factors Affecting Adoption of Fintech in Bangladesh. International Journal of Science and Business, 5(9), 156-164. doi:

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About Author (s)

Rashedul Hasan, East West University, Bangladesh. Email:


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