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

Call for Paper Volume 8, Issue 5 (September-October 2026) Submit your research before last 3 days of October to publish your research paper in the issue of September-October.
Submit Research Paper Join as a Reviewer

Plagiarism is checked by the leading plagiarism checker TurnItIn

Call for Paper

Volume 8 Issue 5
September-October 2026

Submit your research paper

Indexing Partners
Academia Advanced Sciences Index Bielefeld Academic Search Engine CiteSeer DRJI Google Scholar Independent Search Engine & Directory Network ISI (International Scientific Indexing) Issuu Mendeley Research Networks
RefSeek ResearcherId - Thomson Reuters ResearchGate Scirus Scribd Semantic Scholar UTeM - Universiti Teknikal Malaysia Melaka Wiki for Call for Papers WorldCat Zenodo

Determinants of FinTech Adoption: A Comparative Study of Millennials and Generation Z in Assam, India

Author(s) Ms. Drisha Boruah, Prof. Dr. Seema Shah Singha
Country India
Abstract The rapid growth of Financial Technology (FinTech) has significantly transformed financial service delivery, particularly among younger generations. This study examines the determinants of FinTech adoption and compares adoption behaviour between Millennials and Generation Z using a quantitative approach. Primary data were collected through structured questionnaires from a sample of 390 respondents in Assam, India, and analysed using regression analysis and independent sample t-test.
The results indicate that perceived usefulness, perceived ease of use, trust, and price value have a significant positive influence on FinTech adoption, while perceived risk does not have a significant effect on adoption behaviour. The findings also reveal significant differences between Millennials and Generation Z, with Generation Z demonstrating higher preference for ease of use and convenience, whereas Millennials place greater emphasis on trust and risk considerations.
The study highlights that FinTech adoption is influenced by a combination of technological and behavioural factors, with varying impact across generational cohorts. The findings provide valuable insights for FinTech service providers to design generation-specific strategies focusing on usability, trust-building, and risk reduction.
Keywords FinTech adoption, Millennials, Generation Z, digital payments, technology adoption
Published In Volume 8, Issue 5, September-October 2026
Published On 2026-09-13
DOI https://doi.org/10.36948/ijfmr.2026.v08i05.87752
View / Download PDF File

Share this



E-ISSN 2582-2160
CrossRef

CrossRef DOI prefix of IJFMR is 10.36948/ijfmr

Downloads
Research Paper Format Copyright Permission Form and Undertaking Form

All research papers published on this website are licensed under Creative Commons Attribution-ShareAlike 4.0 International License, and all rights belong to their respective authors/researchers.

CC-BY-SA Open Access

About IJFMR
Fees & Payment
Current Issue
Publication Archive 		Submit Research Paper
Track Submission Status
Publication Guidelines
Publication Ethics
Peer Review & Plagiarism 		Join as a Reviewer
Editors & Reviewers
Reviewer Referral Program
Get Reviewer Membership Certi. 		Website/Journal Policies
Usage Policy
Content Policies
Privacy Policy
Contact Us +91-9687-828-838 editor@ijfmr.com
Powered by Sky Research Publication and Journals