Asia Pacific Journal of Information Systems (APJIS)

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Current Issue

Date	September 2025
Vol. No.	Vol. 35 No. 3
DOI	https://doi.org/10.14329/apjis.2025.35.3.681
Page	681~713
Title	The Digital Shift in Finance: Examining FinTech Adoption Through PLS-SEM and fsQCA Analysis
Author	Kajal Mittal, Sunil Kumar Gupta, Kamal Gupta, Sachin Kumar, Ashwani Kumar
Keyword	FinTech, Personality Traits, Financial Literacy, User Innovativeness, fsQCA, PLS-SEM
Abstract	Due to the rapid growth of digital finance, it is important to understand the factors influencing user adoption. The current study examined how personality traits (PT) drive users towards FinTech adoption (FIA). This study employs the Big Five Personality Model to explore the antecedents of FIA. A partial modeling structural equation modeling (PLS-SEM) and fuzzy-set qualitative comparative analysis (fsQCA) methodology was used for finding out the relationship between PT and FIA. The outcomes from the analysis indicate that all the proposed variables directly and positively influence FIA. These findings have implications for FinTech service providers and academicians for their understanding of the key characteristics driving this sector. This study significantly enhances the existing literature by examining the role of PT, User Innovativeness (UI), and Financial Literacy (FL) as key drivers of FIA, offering unique and innovative insights into these determinants. Furthermore, the study provides a vigorous methodological contribution by integrating linear PLS and nonlinear fsQCA techniques.