ArticleHeliyon2025
The interplay of perceived benefit, perceived risk, and trust in Fintech adoption: Insights from Sub-Saharan Africa.
Article in Heliyon, 2025. The graph could read no effect estimate from its abstract, so it casts no vote on the map. Cited by 3 papers.
What it found
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The abstract states no effect estimate the extractor could read, or names no intervention and outcome on the map, so this paper lights no cell and moves no belief. It is still indexed, cited and linked below.
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Who cites it
3 citing papers in PubMed.
- AI-driven financial risk management in complex mobile economies: a contextual-technology fit and security reassurance model.Frontiers in artificial intelligence · 2026Article
- Determinants of student discussion participation in the mathematical collaborative problem-solving process using PLS-SEM and FsQCA.Scientific reports · 2025Article
- Exploring factors influencing student satisfaction in mathematics education using PLS-SEM and fuzzy sets FsQCA.Scientific reports · 2025Article
Corrections and comments
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Authors and funding
2 authors.
Funding
No grant is acknowledged in the PubMed record.
Abstract
As financial technology (Fintech) continues to reshape the design and delivery of financial products, there is a growing interest in investigating the enablers and inhibitors of Fintech adoption in developing markets. This paper aims to empirically examine the risk-benefit factors associated with Fintech adoption. It further explores the mediating effect of trust in the relationship between risk-related factors and Fintech adoption intentions. The paper utilizes the survey approach to gather data across four countries in Sub-Saharan Africa (SSA). We employ partial least squares-structural equation modelling (PLS-SEM) and fuzzy-set qualitative comparative analysis (FSQCA) techniques to analyse our dataset. The study identified economic benefits, performance expectancy, and effort expectancy as important enablers of Fintech adoption. Conversely, perceived legal risk, security risk, and privacy concerns act as significant inhibitors of Fintech adoption. Furthermore, the findings provide support for the mediation model, suggesting that trust dampens the negative effect of perceived risk on Fintech adoption. The FSQCA results confirm the principle of equifinality as there are multiple causal configurations that can lead to high Fintech adoption. The estimated PLS-SEM model exhibits robustness, as there are no issues regarding unobserved heterogeneity, common method bias, or multicollinearity. Furthermore, the model demonstrates reasonable predictive accuracy as evidenced by acceptable R-square, F-square, and Q-square values. Policymakers, financial institutions, and Fintech firms can leverage the study's findings to shape their strategies, raise consumer awareness, and design innovative financial products that cater for the needs of consumers in Africa.
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Registered trials
Read under generation 80e0d062 · epoch 390. Bibliography from PubMed, PubMed Central and OpenAlex; grants from NIH RePORTER; trial links from ClinicalTrials.gov; estimates, votes and beliefs from the OpenQuestion graph.