International Journal For Multidisciplinary Research

E-ISSN: 2582-2160   •   Impact Factor: 9.24

A Widely Indexed Open Access Peer Reviewed Multidisciplinary Bi-monthly Scholarly International Journal

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Volume 8 Issue 1
January-February 2026

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Behavioral, Technological, and Institutional Determinants of FinTech Adoption: A Meta-Analysis of 24 Empirical Studies

Author(s) Mr. Suroto Suroto
Country Indonesia
Abstract The rapid expansion of financial technology (FinTech) has significantly transformed modern financial systems. Despite the growing number of empirical studies examining FinTech adoption, prior findings remain fragmented and occasionally inconsistent due to differences in research contexts, theoretical frameworks, and analytical methods. This study conducts a comprehensive meta-analysis to synthesize global empirical evidence on the determinants of FinTech adoption.

Drawing on 24 empirical studies published in Scopus-indexed journals, this research integrates more than 260 effect sizes using a random-effects meta-analytic model. Adoption determinants are classified into three dimensions: behavioral, technological, and institutional factors. Heterogeneity tests and confidence interval estimations are applied to ensure the robustness of the results.

The findings reveal that trust represents the strongest behavioral determinant of FinTech adoption, followed by perceived usefulness and perceived ease of use, while perceived risk shows a significant negative effect. Technological factors such as security and habit demonstrate consistent positive influences, and institutional determinants including facilitating conditions and financial literacy play an important enabling role. This study provides comprehensive quantitative evidence that strengthens technology acceptance and behavioral finance theories and offers practical insights for policymakers and FinTech service providers seeking to promote sustainable digital finance adoption.
Keywords FinTech adoption, Meta-analysis, Technology acceptance, Trust, Perceived risk, Digital finance, Behavioral finance
Field Business Administration
Published In Volume 8, Issue 1, January-February 2026
Published On 2026-02-04
DOI https://doi.org/10.36948/ijfmr.2026.v08i01.68044
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E-ISSN 2582-2160
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