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Determinants of FinTech adoption by microfinance institutions in India to increase efficiency and productivity

Author

Listed:
  • Nazia Hasan
  • Anjani K. Singh
  • Ritesh Dwivedi

Abstract

The present study attempts to find out the determinants of FinTech adoption for financial inclusion by a microfinance institution in India. The factors such as efficiency, consistency, convenience, reliability are taken as predictors of organisational attitude. Similarly, organisational attitude, ease of use, and perceived benefits are considered as antecedents of organisational adoption intention of FinTech in microfinance institutions of India. The purposive sampling technique was used to get a filled survey instrument by target samples. The results indicate that convenience and consistency in the use of FinTech applications build a favourable attitude to adopt it. Furthermore, perceived benefits are the most important antecedents of the adoption intention of FinTech in the microfinance institution in India. Additionally, the reliability of the application has a positive but insignificant impact on organisational attitude to adopt FinTech. The implications of the present study are discussed.

Suggested Citation

  • Nazia Hasan & Anjani K. Singh & Ritesh Dwivedi, 2024. "Determinants of FinTech adoption by microfinance institutions in India to increase efficiency and productivity," International Journal of Business Innovation and Research, Inderscience Enterprises Ltd, vol. 35(3), pages 393-411.
    • Handle: RePEc:ids:ijbire:v:35:y:2024:i:3:p:393-411
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