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Factors that Influence the Customer Adoption of Fintech in Hyderabad, India

In the era of digitalisation, financial institutions are transforming in a sea way, providing new variant of services, and adopting new technology to meet customer expectations. Fintech (an innovation enabled with new technology to provide new applications, services, processes, services and business models by financial service companies) is emerging fast in this digitisation process, and financial service firms are at great advantage applying the same. Penetration of Ecommerce and smart phone boosted Fintech in the cash driven economy like India. The existing studies on this subject are limited needing further probe into the matter. This is primarily the reason for undertaking the present study. The study aimed at identifying the factors influencing bank customers in the adoption of Fintech in Hyderabad. This study is empirical in nature based on a sample of respondents, selected by adopting probability random sampling method. The data have been analysed using ANOVA, Exploratory Factor Analysis and Multi Variant Regression Model. The results show that there is no significant difference between venture capital backed funding among select continents. This study identified three factors Conducive, Adaptability and Security which influence the usage of Fintech. Conducive is the most enabling influencing factor for usage and adoption of Fintech among bank customers. It is hoped that the findings of this empirical study, based on a reliable sample and valid statistical analysis would have facilitated adding to the existing contributions on the subject.