Determinants of continuous intention to use FinTech services: the moderating role of COVID-19

The current work seeks to explore the relevant factors that influence intention to use FinTech, i.e., perceived risk, benefit and trust keeping perceived effect of COVID-19 as moderator in India. Data have been collected using a structured questionnaire. The data collected have been validated using the validity and reliability techniques. Factor analysis and path analysis have been performed to test the research model, and finally, interactive moderation effects of the COVID-19 have been examined. Outcomes of the study showed that intention to use FinTech services has positively significant impact with perceived benefits and trust and negatively significant impact with perceived risk. The findings identify the key dimensions related to factors effecting intention to use FinTech and therefore, must be paid attention to by service providers in motivating their consumer to use financial technology. In addition, results will assist managers at FinTech companies to understand the importance of these services during COVID-19 pandemic.