Social and facilitating influences in fintech user intention and the fintech gender gap.

Given the advances in technology, Fintech is an invaluable tool which allows unbanked people to access financial services when social, cultural, economic and technological factors affect their user intentions (UI). Despite the great importance of the role of social and facilitating influences in the adoption of Fintech services, little research has been conducted on how and what influences affect Fintech user intention (FUI) and whether there is a gender gap in FUI. Therefore, this study aims to help formulate effective Fintech policies and close the gender gap by investigating the role of social and facilitating influences and sociodemographic variables in FUI.