Technology readiness index: a study on positive and negative dimensions in relation to fintechs
DOI:
https://doi.org/10.5433/1981-8920.2019v24n2p211Keywords:
Fintech, Financial Technology, Technology Readiness IndexAbstract
Introduction: The new possibilities opened by information technology and introduced by FinTechs, promote, the digital evolution in the banking segment, mainly in digital platforms and mobile applications. Objective: To analyze the technology readiness index among Fintechs users and to verify the positive and negative dimensions of this relationship. Methodology: The research has a descriptive nature with quantitative approach, in which, the tests were applied to FinTechs users via questionnaire to measure the readiness index to the technology. Results: Strictly speaking, it was possible to analyze and confirm the importance of significant items for the formation of the user readiness index in relation to FinTechs. The research also emphasizes that the positive dimensions were superior to the negative ones in this relation. Conclusions: Show that individuals are open and positive about FinTechs, which indicates a high level of readiness, since most are optimistic and innovative. However, regarding the negative dimension, we can conclude that there is still discomfort and insecurity regarding the use of new technologies in the financial segment.References
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BOLLEN, K. A. A new incremental fit index for general structural equation models. Sociological Methods & Research, v. 17, n. 3, 1989, p. 303-316. DOI doi.org/10.1177/0049124189017003004
CAHILL, Richard. Money & Change: How FinTech startups and alternative banking companies are redefining finance through design, Digital Iteraction Design, University of Dundee, Dundee, 2015. Disponível em: http://lab.rc3.me/deliverables/RCahill-SocialMobileApps-MoneyAndChange.pdf Acesso em: 03 nov. 2017.
CHIN, W. W. The partial least squares approach to structural equation modeling. In: MARCOULIDES, G. A. Modern methods for business research, New York: Psichology Press, 1998, p. 295-336.
CHUEN, David L. K.; TEO, E. G. S. Emergence of FinTech and the LASIC principles. The Journal of Financial Perspectives, v. 3, n. 3, 2015.
DAPP, T. F. Fintech - the digital (r)evolution in the financial sector. Frankfurt, Deutsche Bank Research, 2014. Disponível em: http://www.dbresearch.com/PROD/RPS_ENPROD/PROD0000000000451941/Fintech_%E2%80%93_The_digital_%28r%29evolution_in_the_financia.pdf. Acesso em: 04 set. 2018.
FORNELL, C.; LARCKER, D. F. Evaluating structural equation models with unobservable variables and measurement error. Journal of marketing research, v. 18, n. 1, 1981, p. 39-50.
GIBSON, J. The impact FinTech is having on the financial services industry in Ireland. 2015. 165f. Dissertação (Mestrado em Administração) - Dublin Business School, Irlanda, 2015.
GULAMHUSEINWALA, I.; BULL, T.; LEWIS, S. FinTech is gaining traction and young, high-income users are the early adopters. Journal of Financial Perspectives: FinTech. v.3, n.3, 2015, p.16-23.
HAIR JUNIOR, J. F; BLACK, B. J.; ANDERSON, R. E.; TATHAM, R. L. Análise multivariada de dados. Porto Alegre: Bookman, 2009.
HENSELER, J.; RINGLE, C. M.; SINKOVICS, R. R. The use of partial least squares path modeling in international marketing. Advances in International Marketing, v. 20, 2009, p. 277-319.
HOYLE, R. H.; DUVALL, J. L. Determining the number of factors in exploratory and confirmatory factor analysis. In: KAPLAN, D. (Ed.): The SAGE hand book of quantitative methodology for the social sciences. Thousand Oaks: Sage. 2004, p. 301-315.
KANTOX. “Fintech” definition, KantoxGlossary, 2016. Disponível em: http://kantox.com/en/glossary/fintech. Acesso em 20 jul. 2018.
MCAULEY, D. What is FinTech? 2015. Disponível em: https://medium.com/wharton-fintech/what-is-fintech-77d3d5a3e677#.irb06o6mv Acesso em: 20 jan. 2018.
MICU, I.; MICU, A. Financial technology (FinTech) and its implementation on the romanian non-banking capital market. Pratical Applications Science, Bucareste, v. 4, n. 2, 2016, p. 379-384.
MINGOTI, S. A. Análise de dados através de Métodos de Estatística Multivariada: uma abordagem aplicada. Belo Horizonte: UFMG, 2007.
MORESI, E. (Org). Manual de Metodologia da Pesquisa. Universidade Católica de Brasília: Distrito Federal, 2003.
MOTA, Karla Roberta Revert. Envolvimento do consumidor com produtos e serviços bancários. 2016. 165f. Dissertação (Mestrado em Administração) – Universidade FUMEC, Belo Horizonte, 2016.
NORTHRUP, J.; HANGEN, E.; SWACK, M. CDFIs and online business lending: a review of recent progress challenges, and opportunities. The Carsey School of Public Policy, New Hampshire, 2016.Disponível em: https://scholars.unh.edu/cgi/viewcontent.cgi?article=1286&context=carsey. Acesso em: 17 mar. 2018.
NUNNALY, J.; BERNSTEIN, I. Psychometric Theory. McGraw-Hill: New York. 1994.
PARASURAMAN, A. Technology Readiness Index (TRI): a multiple-item scale to measure readiness to embrace new technologies. Journal of Service Research, v. 2, n. 4, 2000, p. 307-320.
PARASURAMAN, A.; COLBY, C. Techno-ready marketing: how and why your customers adopt technology. New York: The Free Press, 2001.
SANCHEZ, G. PLS Path Modeling with R. Berkeley: Trowchez Editions, 2013.
TENENHAUS, M.; VINZI, V. E.; CHATELIN, Y.; LAURO, C. PLS path modeling. Computational Statistics & Data Analysis, v. 48, 2005, p. 159-205.
TUCCI, Christopher L.; GAUTSCHI, Heidi; VISCUSI, Gianluigi. Switzerland’s digital furniture: facts challenges recommendations. EPFL – College of Management of Technology, Lausanne, Suíça, 2016. Disponível em: https://www.six-group.com/dam/downloads/epfl-study-switzerland-digitalfuture.pdf. Acesso em: 16 mar. 2017.
VERGARA, Sylvia Constant. Projetos e Relatórios de Pesquisa em Administração. São Paulo: Atlas S.A. 2014.
WEN, C. FinTech acceptance research in Finland: case Company Plastc. 2016. 79f. Dissertação (Mestrado em Ciências Econômicas e Administração de Negócios) – Aalto University School of Business, Finlândia, 2016.
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Published
2019-11-30
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Lima, L. C., Ziviani, F., & Corrêa, F. (2019). Technology readiness index: a study on positive and negative dimensions in relation to fintechs. Informação & Informação, 24(2), 211–233. https://doi.org/10.5433/1981-8920.2019v24n2p211
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