Fintech applications in social welfare schemes during Covid times
An extension of the classic TAM model in India
Bibliographic Data
| ID | 4866919 |
|---|---|
| Authors | Jaskirat Singh (0000-0003-0337-7885, Indian Council of Social Science Research Ministry of Education New Delhi India, corresponding author), Manjit Singh (0000-0003-4170-6870, University School of Applied Management Punjabi University Patiala India) |
| Year | 2023 |
| Volume | 73 |
| Issue | 250 |
| Pages | 979-998 |
| Publication date | 2023-12-01 |
| Open Access | Yes |
| Type | ARTICLE |
| Venue | International Social Science Journal (JOURNAL) |
| Journal identifiers | ISSN: 0020-8701 • E-ISSN: 1468-2451 |
| Publisher | Wiley (PUBLISHER • GB) |
| DOI | 10.1111/issj.12406 |
| OpenAlex | W4362721213 |
| Language | EN |
| Citations received | 3 |
| References cited | 63 |
In terms of remote banking services for social welfare programmes, fintech has completely changed the game for financial institutions, particularly during the COVID pandemic. However, many recipients continue to be dubious due to fears about its security. This study aims to create an extended technology acceptance model (TAM) that incorporates perceived risk, trust and innovation diffusion theory into the conventional TAM model to understand better the variables that influence user adoption and implementation of Fintech technologies. The critical FinTech applications were evaluated using the hypothetical classic model, which included external influences. The proposed model (urban poor beneficiaries-TAM) was experimentally verified using semi-structured questionnaires and structural equation modelling data. This research shows that attitude has a considerable impact on how fintech apps are meant to be used, outweighing usefulness and risk as factors that directly affect how they are used. The report concludes by discussing the critical organizational consequences and offering a variety of strategies for maintaining this recently innovative business in light of current technological improvements
Affect (linguistics) · Business · Coronavirus disease 2019 (COVID-19) · Economics · Extension (predicate logic) · Innovation diffusion · Political science · Public economics · Social influence · Social Welfare · Structural equation modeling · Technology Acceptance Model · Usability · Variety (cybernetics) · Welfare · Computer Science · FinTech, Crowdfunding, Digital Finance · Marketing · Microfinance and Financial Inclusion · Psychology · Social Psychology · Technology Adoption and User Behaviour
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| Citations per year | 1.5 |
|---|---|
| Citation span | 2024 - 2025 (2) |
| Highly cited | No |