IDEAS home Printed from https://ideas.repec.org/a/rbs/ijbrss/v11y2022i10p180-190.html
   My bibliography  Save this article

Predictors of intention to adopt fintech among digitally active customers in Nigeria: Online savings and investment platforms [OSIPS]

Author

Listed:
  • Ebuka Ezenwafor

    (Department of Applied Statistics and Decision Analytics 3099970173, Western Illinois University, Macomb Illinois, USA)

  • Rufus O. Adebayo

    (Department of Media, Language and Communication, Durban University of Technology, Durban, South Africa)

  • Ekwunife Okafor

    (Department of Marketing, Nnamdi Azikiwe University, Akwa Nigeria)

Abstract

The proliferation of technology has innovated new ways of saving and investing money: online savings and investment platforms [OSIPs]. Predicting the intention to adopt Fintech has triggered the interest of many researchers in academia and industries. The primary objective of this study was to examine factors influencing the intention to adopt OSIPs in Nigeria by using data gathered from 640 digitally active citizens from selected cities in Nigeria. Reliability and validity tests were conducted through construct reliability and discriminant validity, respectively, through WarpPLS. Data were computed with the Statistical Package for the Social Sciences (version) 24 and analyzed with structural equation modeling via WarpPLS. The findings of this study showed that performance expectancy, effort expectancy, and social influence significantly affect attitude while facilitating conditions predict intention to adopt. It was also found that attitude significantly influences the intention to adopt OSIPs. The paper also discusses the study’s research limitations and presents implications for theory and practice. Key Words: Fintect, Digitalication, Customers, Nigeria

Suggested Citation

  • Ebuka Ezenwafor & Rufus O. Adebayo & Ekwunife Okafor, 2022. "Predictors of intention to adopt fintech among digitally active customers in Nigeria: Online savings and investment platforms [OSIPS]," International Journal of Research in Business and Social Science (2147-4478), Center for the Strategic Studies in Business and Finance, vol. 11(10), pages 180-190, December.
    • Handle: RePEc:rbs:ijbrss:v:11:y:2022:i:10:p:180-190
    DOI: 10.20525/ijrbs.v11i10.2196
    as

    Download full text from publisher

    File URL: https://ssbfnet.com/ojs/index.php/ijrbs/article/view/2196/1612
    Download Restriction: no
    File URL: https://doi.org/10.20525/ijrbs.v11i10.2196
    Download Restriction: no
    File URL: https://libkey.io/10.20525/ijrbs.v11i10.2196?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:rbs:ijbrss:v:11:y:2022:i:10:p:180-190. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Umit Hacioglu (email available below). General contact details of provider: https://edirc.repec.org/data/ssbffea.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.