Tam Chuem Vai, CarlosJesus, Frederico Miguel Campos Cruz Ribeiro deJorge, Tiago Reis Garcia Santos2024-02-232024-01-30http://hdl.handle.net/10362/164049Dissertation presented as the partial requirement for obtaining a Master's degree in Information Management, specialization in Information Systems and Technologies ManagementFintech has rapidly grown in the past decade, disrupting the traditional banking sector, and providing a user-focused, digital only experience. This study explores the effect of neobanks on individual performance, through the combination of the IS Success model with trust and financial literacy. We collected data from 202 neobank users, through an online survey, and analysed it using structural equation modelling (SEM). Our findings reveal that use, user satisfaction, and trust in neobanking increase individual performance, and that both trust and financial literacy positively influence the use of virtual banks and their user’s satisfaction. By combining the DeLone & McLean model with trust and financial literacy, we propose several practical and theoretical implications, thereby contributing to the understanding of post-adoption user behaviour.engIndividual PerformanceNeobankTrustFinancial literacyFintechSDG 10 - Reduced inequalitiesmaster thesis203528239