A carregar...
Publicação
An examination of critical factors influencing the future usage intention of innovative digital financial solutions for investment activities: consumers- attitude towards online trading services provided by Neobanks in Germany
| Nome: | Descrição: | Tamanho: | Formato: | |
|---|---|---|---|---|
| 997.89 KB | Adobe PDF |
Autores
Orientador(es)
Resumo(s)
The financial services industry is facing significant changes in Germany, especially in the area of investment activities with the emergence of innovation solutions for retail investors. This study aims to investigate the critical factors influencing the future usage intention of digital financial solutions for investment activities, namely neobanks, neobrokers and robo-advisors. The proposed research model is based on the extended valence framework and extended unified theory of acceptance and use of technology(UTAUT2), where a moderated mediation is expected. Primary data from a survey with N = 100 has been analyzed to answer the research questions. It was found that trust and perceived benefit are strong determinants of the behavioral intention to use online trading services provided by neobanks .Further, perceived risk is determined by financial risk and operational risk, while perceived benefit is explained by performance expectancy and price value. It is suggested that neobanks increase measures for trust-building and offer features like online trading that add value for consumers.
Descrição
Palavras-chave
Technology adoption Consumer behavior Fintech Digital transformation Germany Retail investors Neobanks Online trading Digital financial services