STRATEGIES FOR FINTECH ADOPTION AND FINANCIAL INCLUSION: EXAMINING THE MODERATING ROLE OF TECHNOLOGICAL INFRASTRUCTURE

Abstract

The study aimed to examine the influence of fintech adoption on financial inclusion, considering the moderating effect of information technology infrastructure among banking users in Saudi Arabia. A cross-sectional research design was used to collect data from 300 internet banking users. The data was gathered through a self-administered survey instrument using convenient sampling. The PLS-SEM technique reveals that trust, perceived security, service quality, and perceived benefits have a positive and significant impact on the use of financial services. The use of financial services also has a positive and significant impact on financial inclusion. Trust, perceived security, service quality, and perceived benefits all have a positive and significant impact on financial inclusion, with the mediating effect of using financial services. The information technology infrastructure plays an essential role in enhancing the relationship between financial services usage and financial inclusion. The study with this mediating moderated model provided valuable research findings that added to the existing body of literature. The study also highlights the importance of policy makers and regulators investing in information technology infrastructure to enhance users' Fintech intention and ensure the long-term sustainability of financial institutions.