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What determines customers' continuance intention of FinTech? Evidence from YuEbao

机译:是什么决定了客户对金融科技的持续意愿?来自余额宝的证据

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Purpose The purpose of this paper is to investigate the effects of trust in service and structural assurance on the continuance intention of FinTech services, and the roles of technical factors (i.e. situational normality and system quality) and social factors (i.e. herding and subjective norm) in developing trust in service and structural assurance. YuEbao is selected as the subject as it is a representative example of FinTech services in China. Design/methodology/approach A survey questionnaire was deployed and a ten-point sliding scale with two-decimal points was applied to improve the accuracy of the questionnaire. Partial least squares structural equation modeling was used to analyze the data. Findings Trust in service and structural assurance can encourage continuance intention of FinTech service. System quality, situational normality and subjective norm can boost the development of trust in service. Both herding and subjective norm can affect structural assurance significantly.Originality/value This study adds to the existing body of trust literature by investigating the direct effects of trust in service and structure assurance on continuance intention and how these two levels of trust are developed from technical and social aspects. It generates interesting insights into customers' continuance behavior of FinTech services.
机译:目的本文的目的是研究对服务和结构保证的信任对金融科技服务持续意图的影响,以及技术因素(即情境正常性和系统质量)和社会因素(即羊群和主观规范)的作用。建立对服务和结构保证的信任。 YuEbao被选为主题,因为它是中国金融科技服务的代表。设计/方法/方法部署调查问卷,并应用带有两个小数点的十点滑动量表来提高问卷的准确性。使用偏最小二乘结构方程建模来分析数据。结果对服务和结构保证的信任可以鼓励金融科技服务的持续性。系统质量,情境正常性和主观规范可以促进服务信任的发展。羊群和主观规范都可能对结构保证产生重大影响。原创性/价值本研究通过研究服务信任和结构保证对持续意图的直接影响以及如何从技术上发展这两个级别的信任,增加了现有的信任文献。和社会方面。它对客户金融科技服务的持续行为产生了有趣的见解。

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