This study focuses on the factors influencing the diffusion of FinTech in the Gulf
Cooperation Council countries, analysing both financial institutions and technology
companies. The research acknowledges the challenges associated with the spread
of FinTech and aims to address these issues. The research employs Institutional
Theory.
To achieve comprehensive insights, a qualitative technique is employed. The initial
phase involves an extensive literature review to understand FinTech and identify
gaps in academic research. Subsequently, the impact of PESTEL factors is
highlighted based on the literature. In the third stage, semi-structured interviews are
conducted with 25 participants, representing three to four individuals per country.
The Thematic Analysis approach is employed to analyse the interview data.
The study's findings reveal that several factors significantly influence the adoption
of FinTech services as a preferred transaction method. Perceived utility, security,
and social impact concerns are identified as drivers of behavioural intentions.
Additionally, the technical attributes and ease of use of digital tools impact
behavioural patterns. Furthermore, the innovation and technical features embedded
within FinTech products and services contribute to their diffusion and acceptance.
The research has practical implications for both academia and practitioners in the
FinTech industry. It assists financial service providers and institutions in designing
user-centric FinTech products and services. Enhancing security and usability is
crucial to improving the user experience and consumer confidence. By considering
technological and behavioural characteristics and analysing the impact of PESTEL
elements, this study contributes to the existing literature on technology diffusion,
providing valuable insights to academics and practitioners.
| Identifer | oai:union.ndltd.org:BRADFORD/oai:bradscholars.brad.ac.uk:10454/19901 |
| Date | January 2022 |
| Creators | Hamadien, Ammar M. |
| Contributors | Omar, Amizan, Mahroof, Kamran |
| Publisher | University of Bradford, School of Management. Faculty of Management, Law and Social Sciences |
| Source Sets | Bradford Scholars |
| Language | English |
| Detected Language | English |
| Type | Thesis, doctoral, DBA |
| Rights | <a rel="license" href="http://creativecommons.org/licenses/by-nc-nd/3.0/"><img alt="Creative Commons License" style="border-width:0" src="http://i.creativecommons.org/l/by-nc-nd/3.0/88x31.png" /></a><br />The University of Bradford theses are licenced under a <a rel="license" href="http://creativecommons.org/licenses/by-nc-nd/3.0/">Creative Commons Licence</a>. |
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