READINESS INDEX AND ENGAGEMENT WITH TECHNOLOGY
INFLUENCED FACTORS IN RELATION TO FINTECHS IN BRAZIL
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https://doi.org/10.56579/rei.v7i4.1560Keywords:
Fintech, Financial Technology, Technology Readiness Index, Consumer Engagement, Digital PlatformAbstract
“Fintech” refers to financial technologies with disruptive characteristics based on digital platforms and mobile applications. From 2014 onwards, the term began to attract attention on a global scale, as it made financials systems more efficient. Given the exposed context, the objective of this research effort is to analyze what are the influences of the factors optimism, innovativeness, discomfort and insecurity on the types of consumer involvement with Fintechs. The research is descriptive in nature with a quantitative approach, in which, via Structural Equation Analysis, the influence of the readiness index on consumer involvement with Fintech technologies was measured. The software used for the analysis was R (version 3.4.4). It was possible to confirm the importance of readiness factors in the involvement of financial technology users. There is a high level of readiness, respondents are open and prone to using FinTechs, the majority are optimistic and innovative. When readiness factors were related to the types of user involvement, a significant influence was confirmed. However, the survey shows that respondents feel uncomfortable and insecure, partly due to the complexity of new technologies, and partly due to the low level of understanding and knowledge of the platforms available on the market.
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