{"id":"https://openalex.org/W4377097150","doi":"https://doi.org/10.1108/idd-08-2022-0080","title":"Consumers\u2019 innovativeness and acceptance towards use of financial technology in Pakistan: extension of the UTAUT model","display_name":"Consumers\u2019 innovativeness and acceptance towards use of financial technology in Pakistan: extension of the UTAUT model","publication_year":2023,"publication_date":"2023-05-19","ids":{"openalex":"https://openalex.org/W4377097150","doi":"https://doi.org/10.1108/idd-08-2022-0080"},"language":"en","primary_location":{"id":"doi:10.1108/idd-08-2022-0080","doi":"https://doi.org/10.1108/idd-08-2022-0080","is_oa":false,"landing_page_url":"https://doi.org/10.1108/idd-08-2022-0080","pdf_url":null,"source":{"id":"https://openalex.org/S4210178187","display_name":"Information Discovery and Delivery","issn_l":"2398-6247","issn":["2398-6247","2398-6255"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-c","anvur-scientific","cwts-core","jufo-1","poland-20","russia-white-list-1"],"host_organization":"https://openalex.org/P4310319811","host_organization_name":"Emerald Publishing Limited","host_organization_lineage":["https://openalex.org/P4310319811"],"host_organization_lineage_names":["Emerald Publishing Limited"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Information Discovery and Delivery","raw_type":"journal-article"},"volume":null,"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5063284259","display_name":"Imran Mehboob Shaikh","orcid":"https://orcid.org/0000-0001-5552-693X","observed_orcids":["https://orcid.org/0000-0001-5552-693X","https://orcid.org/0000-0002-8352-7814","https://orcid.org/0009-0006-7029-4261"]},"institutions":[{"id":"https://openalex.org/I161371597","display_name":"Universiti of Malaysia Sabah","ror":"https://ror.org/040v70252","country_code":"MY","type":"education","lineage":["https://openalex.org/I161371597"]}],"countries":["MY"],"is_corresponding":false,"raw_author_name":"Imran Mehboob Shaikh","raw_affiliation_strings":["Labuan Faculty of International Finance, Universiti Malaysia Sabah, Labuan, Malaysia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Labuan Faculty of International Finance, Universiti Malaysia Sabah, Labuan, Malaysia","institution_ids":["https://openalex.org/I161371597"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5047980377","display_name":"Hanudin Amin","orcid":"https://orcid.org/0000-0003-3645-287X","observed_orcids":["https://orcid.org/0000-0003-3645-287X"]},"institutions":[{"id":"https://openalex.org/I161371597","display_name":"Universiti of Malaysia Sabah","ror":"https://ror.org/040v70252","country_code":"MY","type":"education","lineage":["https://openalex.org/I161371597"]}],"countries":["MY"],"is_corresponding":false,"raw_author_name":"Hanudin Amin","raw_affiliation_strings":["Labuan Faculty of International Finance, Universiti Malaysia Sabah, Labuan, Malaysia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Labuan Faculty of International Finance, Universiti Malaysia Sabah, Labuan, Malaysia","institution_ids":["https://openalex.org/I161371597"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I161371597"],"apc_list":null,"apc_paid":null,"fwci":9.4818,"has_fulltext":false,"cited_by_count":37,"citation_normalized_percentile":{"value":0.97776704,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":93,"max":100},"biblio":{"volume":"52","issue":"1","first_page":"114","last_page":"122"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10068","display_name":"Technology Adoption and User Behaviour","score":0.9940999746322632,"subfield":{"id":"https://openalex.org/subfields/1802","display_name":"Information Systems and Management"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10068","display_name":"Technology Adoption and User Behaviour","score":0.9940999746322632,"subfield":{"id":"https://openalex.org/subfields/1802","display_name":"Information Systems and Management"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.005400000140070915,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14416","display_name":"Health, Technology, Consumer Behavior","score":9.999999747378752e-05,"subfield":{"id":"https://openalex.org/subfields/3605","display_name":"Health Information Management"},"field":{"id":"https://openalex.org/fields/36","display_name":"Health Professions"},"domain":{"id":"https://openalex.org/domains/4","display_name":"Health Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/consumer-innovativeness","display_name":"consumer innovativeness","score":0.8320000171661377},{"id":"https://openalex.org/keywords/fintech-adoption","display_name":"fintech adoption","score":0.8159999847412109},{"id":"https://openalex.org/keywords/technology-acceptance","display_name":"technology acceptance","score":0.8809999823570251},{"id":"https://openalex.org/keywords/utaut-model","display_name":"UTAUT model","score":0.7620000243186951},{"id":"https://openalex.org/keywords/bank-customers","display_name":"bank customers","score":0.9169999957084656},{"id":"https://openalex.org/keywords/performance-expectancy","display_name":"performance expectancy","score":0.9860000014305115},{"id":"https://openalex.org/keywords/effort-expectancy","display_name":"effort expectancy","score":1.0},{"id":"https://openalex.org/keywords/social-influence","display_name":"social influence","score":0.9399999976158142},{"id":"https://openalex.org/keywords/facilitating-conditions","display_name":"facilitating conditions","score":0.9980000257492065},{"id":"https://openalex.org/keywords/pakistan","display_name":"Pakistan","score":0.45500001311302185}],"concepts":[{"id":"https://openalex.org/C2780346085","wikidata":"https://www.wikidata.org/wiki/Q7884986","display_name":"Unified theory of acceptance and use of technology","level":3,"score":0.9479555487632751},{"id":"https://openalex.org/C188353592","wikidata":"https://www.wikidata.org/wiki/Q450586","display_name":"Expectancy theory","level":2,"score":0.8675836324691772},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.6677907109260559},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.6177873611450195},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5422067046165466},{"id":"https://openalex.org/C131158328","wikidata":"https://www.wikidata.org/wiki/Q1307337","display_name":"Social influence","level":2,"score":0.533647358417511},{"id":"https://openalex.org/C12713177","wikidata":"https://www.wikidata.org/wiki/Q1900281","display_name":"Perspective (graphical)","level":2,"score":0.5070927143096924},{"id":"https://openalex.org/C540431452","wikidata":"https://www.wikidata.org/wiki/Q16319025","display_name":"FinTech","level":3,"score":0.4587344229221344},{"id":"https://openalex.org/C2780378061","wikidata":"https://www.wikidata.org/wiki/Q25351891","display_name":"Service (business)","level":2,"score":0.4534755051136017},{"id":"https://openalex.org/C2776185967","wikidata":"https://www.wikidata.org/wiki/Q112945","display_name":"Technology acceptance model","level":3,"score":0.4230383038520813},{"id":"https://openalex.org/C56739046","wikidata":"https://www.wikidata.org/wiki/Q192060","display_name":"Knowledge management","level":1,"score":0.3714120388031006},{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.2909194827079773},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.21547305583953857},{"id":"https://openalex.org/C77805123","wikidata":"https://www.wikidata.org/wiki/Q161272","display_name":"Social psychology","level":1,"score":0.13793909549713135},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.0743231475353241},{"id":"https://openalex.org/C170130773","wikidata":"https://www.wikidata.org/wiki/Q216378","display_name":"Usability","level":2,"score":0.0},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.0},{"id":"https://openalex.org/C107457646","wikidata":"https://www.wikidata.org/wiki/Q207434","display_name":"Human\u2013computer interaction","level":1,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.1108/idd-08-2022-0080","doi":"https://doi.org/10.1108/idd-08-2022-0080","is_oa":false,"landing_page_url":"https://doi.org/10.1108/idd-08-2022-0080","pdf_url":null,"source":{"id":"https://openalex.org/S4210178187","display_name":"Information Discovery and Delivery","issn_l":"2398-6247","issn":["2398-6247","2398-6255"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-c","anvur-scientific","cwts-core","jufo-1","poland-20","russia-white-list-1"],"host_organization":"https://openalex.org/P4310319811","host_organization_name":"Emerald Publishing Limited","host_organization_lineage":["https://openalex.org/P4310319811"],"host_organization_lineage_names":["Emerald Publishing Limited"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Information Discovery and Delivery","raw_type":"journal-article"},{"id":"pmh:oai:eprints.ums.edu.my:43566","doi":null,"is_oa":false,"landing_page_url":"https://eprints.ums.edu.my/id/eprint/43566/1/FULL%20TEXT.pdf","pdf_url":"https://eprints.ums.edu.my/id/eprint/43566/1/FULL%20TEXT.pdf","source":{"id":"https://openalex.org/S4306400331","display_name":"UMS Institutional Repository (Universiti Malaysia Sabah)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I161371597","host_organization_name":"Universiti of Malaysia Sabah","host_organization_lineage":["https://openalex.org/I161371597"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"acceptedVersion","is_accepted":true,"is_published":false,"raw_source_name":null,"raw_type":"Article"}],"best_oa_location":null,"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/9","display_name":"Industry, innovation and infrastructure","score":0.4943999946117401}],"sustainable_development_goals_aurora":[{"id":"https://metadata.un.org/sdg/9","display_name":"Industry, innovation and infrastructure","score":0.5400000214576721}],"study_designs":[{"id":"https://openalex.org/study-designs/observational-study","display_name":"Observational Study"}],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":35,"referenced_works":["https://openalex.org/W1573051070","https://openalex.org/W1791587663","https://openalex.org/W1964059017","https://openalex.org/W1969123563","https://openalex.org/W1975267321","https://openalex.org/W2000359217","https://openalex.org/W2019155101","https://openalex.org/W2024509488","https://openalex.org/W2049745056","https://openalex.org/W2063745966","https://openalex.org/W2065771650","https://openalex.org/W2069058238","https://openalex.org/W2074829934","https://openalex.org/W2078518420","https://openalex.org/W2098685541","https://openalex.org/W2100379340","https://openalex.org/W2105846236","https://openalex.org/W2156612498","https://openalex.org/W2168569455","https://openalex.org/W2173765169","https://openalex.org/W2762041969","https://openalex.org/W2796505778","https://openalex.org/W2886358402","https://openalex.org/W2903461914","https://openalex.org/W2914711619","https://openalex.org/W2937808931","https://openalex.org/W2957522966","https://openalex.org/W3018519746","https://openalex.org/W3023398528","https://openalex.org/W3033410057","https://openalex.org/W3036791764","https://openalex.org/W3037372801","https://openalex.org/W3119269863","https://openalex.org/W3125976894","https://openalex.org/W4235678817"],"related_works":["https://openalex.org/W7198390092","https://openalex.org/W4400614307","https://openalex.org/W4385610045","https://openalex.org/W7212132800","https://openalex.org/W4390121998","https://openalex.org/W4399139422","https://openalex.org/W7216998540","https://openalex.org/W4414967957","https://openalex.org/W4393173391","https://openalex.org/W7128388531"],"abstract_inverted_index":{"Purpose":[0],"This":[1,148,245],"paper":[2],"aims":[3],"to":[4,76,153,159,201,284],"examine":[5],"the":[6,16,54,57,67,79,86,95,105,110,123,139,154,165,188,202,215,218,222,231,234,240,251,256,265,274,277],"factors":[7,58,80,107,223],"that":[8,48,59,81,98,230,289],"influence":[9,60,133],"bank":[10,50,128,194],"customers\u2019":[11],"acceptance":[12,20,63,87,111,124,143],"towards":[13,64,78,214],"FinTech":[14,65,89,113,126,142,168],"using":[15,66],"unified":[17],"theory":[18],"of":[19,23,88,94,112,125,141,167,177,205,217,233,254,267,276],"and":[21,33,101,134,258,287,299],"use":[22,216],"technology":[24],"(UTAUT)":[25],"model.":[26,279],"Design/methodology/approach":[27],"A":[28],"survey":[29],"was":[30,38,70],"carried":[31],"out,":[32],"a":[34,293],"judgemental":[35],"sampling":[36],"method":[37],"used.":[39],"Moreover,":[40,115],"over":[41],"200":[42],"responses":[43],"were":[44,49,137,180,191,225],"gathered":[45],"from":[46],"individuals":[47],"account":[51],"holders.":[52],"Besides,":[53,207],"literature":[55],"on":[56],"an":[61,74,119,248],"individual":[62],"UTAUT":[68,219,241,257,261,278],"model":[69],"also":[71,158,210],"reviewed":[72],"as":[73],"effort":[75,102],"contribute":[77],"are":[82,104,183],"significant":[83],"in":[84,108,122,144,171,196,220,264,273],"predicting":[85],"services.":[90,114],"Findings":[91],"The":[92,175],"results":[93],"study":[96,149,179,209,246,291],"revealed":[97],"performance":[99],"expectancy":[100,103],"main":[106],"determining":[109],"consumer":[116],"innovativeness":[117,270,281],"plays":[118],"important":[120],"role":[121],"by":[127],"users.":[129],"In":[130],"contrast,":[131],"social":[132],"facilitating":[135],"conditions":[136],"not":[138,150,184],"determinants":[140],"Pakistan.":[145,172,206],"Research":[146],"limitations/implications":[147],"only":[151,236],"contributed":[152],"theoretical":[155],"extensions":[156],"but":[157,182],"practical":[160],"implications,":[161],"which":[162,190,221,227],"would":[163],"benefit":[164],"community":[166],"service":[169],"providers":[170],"Practical":[173],"implications":[174],"limitations":[176],"this":[178,208,290],"two":[181],"limited":[185],"to,":[186],"firstly,":[187],"respondents":[189],"taken":[192],"among":[193],"customers":[195],"Pakistan,":[197],"confining":[198],"its":[199,212],"contribution":[200],"narrowed":[203],"perspective":[204,253],"considers":[211],"contributions":[213],"examined":[224],"specific,":[226],"may":[228],"elucidate":[229],"generalization":[232],"findings":[235],"includes":[237],"FinTech,":[238],"where":[239],"comes":[242],"into":[243],"play.":[244],"is":[247,262,271,282,292],"eye-opener":[249],"for":[250,288,296],"merging":[252],"both":[255],"FinTech.":[259,268],"Originality/value":[260],"extended":[263],"context":[266,275],"Consumer":[269,280],"incorporated":[272],"yet":[283],"be":[285],"tested":[286],"useful":[294],"reference":[295],"academicians,":[297],"policymakers":[298],"future":[300],"researchers.":[301]},"counts_by_year":[{"year":2026,"cited_by_count":8},{"year":2025,"cited_by_count":14},{"year":2024,"cited_by_count":13},{"year":2023,"cited_by_count":2}],"updated_date":"2026-09-26T08:19:03.415552","created_date":"2023-05-20T00:00:00"}
