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Continuance intentions to use FinTech peer-to-peer payments apps in India

PURPOSE: The purpose of the present study is to identify the determinants of continuance intentions to use FinTech peer-to-peer (P2P) payment apps in India. DESIGN: A cross-sectional survey of 463 FinTech users was carried out during the pandemic with the help of a digital questionnaire. The study h...

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Detalles Bibliográficos
Autores principales: Savitha, Basri, Hawaldar, Iqbal Thonse, Kumar K, Naveen
Formato: Online Artículo Texto
Lenguaje:English
Publicado: Elsevier 2022
Materias:
Acceso en línea:https://www.ncbi.nlm.nih.gov/pmc/articles/PMC9674900/
https://www.ncbi.nlm.nih.gov/pubmed/36411928
http://dx.doi.org/10.1016/j.heliyon.2022.e11654
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author Savitha, Basri
Hawaldar, Iqbal Thonse
Kumar K, Naveen
author_facet Savitha, Basri
Hawaldar, Iqbal Thonse
Kumar K, Naveen
author_sort Savitha, Basri
collection PubMed
description PURPOSE: The purpose of the present study is to identify the determinants of continuance intentions to use FinTech peer-to-peer (P2P) payment apps in India. DESIGN: A cross-sectional survey of 463 FinTech users was carried out during the pandemic with the help of a digital questionnaire. The study has empirically tested an extended expectancy confirmation model and theory of acceptance to examine the determinants of continuance intentions to use FinTech P2P payment apps. FINDINGS: We demonstrate that confirmation of prior expectations and post-adoption perceived usefulness determine continuance intention to use FinTech payment services. Cognitive acceptance (trust) and normative acceptance (social influence) not only determine behavioural acceptance (willingness to co-create) but also influences continuance intentions. Confirmation of initial expectations during service use determines satisfaction and post-purchase perceived usefulness. PRACTICAL IMPLICATIONS: The continuous use of FinTech P2P services can be ensured by fulfilling users' post-purchase expected benefits, fostering trust, and social influence. These can be achieved by gearing up internal resources to provide customized experiences that meet customers’ expectations and facilitate fruitful interactions. Only if the mobile experience is accessible and meets the expectations of customers, they would appreciate its performance and value in the offerings leading to extensive use of FinTech P2P services. ORIGINALITY/VALUE: The present paper is based on extended ECM and the theory of acceptance that aim to explain continuance intention to use FinTech P2P payments. The study findings add to the limited body of research in the context of FinTech P2P payments.
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spelling pubmed-96749002022-11-20 Continuance intentions to use FinTech peer-to-peer payments apps in India Savitha, Basri Hawaldar, Iqbal Thonse Kumar K, Naveen Heliyon Research Article PURPOSE: The purpose of the present study is to identify the determinants of continuance intentions to use FinTech peer-to-peer (P2P) payment apps in India. DESIGN: A cross-sectional survey of 463 FinTech users was carried out during the pandemic with the help of a digital questionnaire. The study has empirically tested an extended expectancy confirmation model and theory of acceptance to examine the determinants of continuance intentions to use FinTech P2P payment apps. FINDINGS: We demonstrate that confirmation of prior expectations and post-adoption perceived usefulness determine continuance intention to use FinTech payment services. Cognitive acceptance (trust) and normative acceptance (social influence) not only determine behavioural acceptance (willingness to co-create) but also influences continuance intentions. Confirmation of initial expectations during service use determines satisfaction and post-purchase perceived usefulness. PRACTICAL IMPLICATIONS: The continuous use of FinTech P2P services can be ensured by fulfilling users' post-purchase expected benefits, fostering trust, and social influence. These can be achieved by gearing up internal resources to provide customized experiences that meet customers’ expectations and facilitate fruitful interactions. Only if the mobile experience is accessible and meets the expectations of customers, they would appreciate its performance and value in the offerings leading to extensive use of FinTech P2P services. ORIGINALITY/VALUE: The present paper is based on extended ECM and the theory of acceptance that aim to explain continuance intention to use FinTech P2P payments. The study findings add to the limited body of research in the context of FinTech P2P payments. Elsevier 2022-11-14 /pmc/articles/PMC9674900/ /pubmed/36411928 http://dx.doi.org/10.1016/j.heliyon.2022.e11654 Text en © 2022 The Author(s) https://creativecommons.org/licenses/by/4.0/This is an open access article under the CC BY license (http://creativecommons.org/licenses/by/4.0/).
spellingShingle Research Article
Savitha, Basri
Hawaldar, Iqbal Thonse
Kumar K, Naveen
Continuance intentions to use FinTech peer-to-peer payments apps in India
title Continuance intentions to use FinTech peer-to-peer payments apps in India
title_full Continuance intentions to use FinTech peer-to-peer payments apps in India
title_fullStr Continuance intentions to use FinTech peer-to-peer payments apps in India
title_full_unstemmed Continuance intentions to use FinTech peer-to-peer payments apps in India
title_short Continuance intentions to use FinTech peer-to-peer payments apps in India
title_sort continuance intentions to use fintech peer-to-peer payments apps in india
topic Research Article
url https://www.ncbi.nlm.nih.gov/pmc/articles/PMC9674900/
https://www.ncbi.nlm.nih.gov/pubmed/36411928
http://dx.doi.org/10.1016/j.heliyon.2022.e11654
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