| Keywords [eng] |
Technology Innovation (TI), Process Disruption (PD), Service Transformation (ST), Fintech Adaptability (FA), Fintech Risk (FR), Financial Security (FS), Financial Inclusion (FI), Quantitative |
| Abstract [eng] |
This research aims to explore the impact of fintech adaptability, fintech security, fintech risk, technological innovation, fintech service transformation, and fintech process disruption on the financial inclusion of the fintech sector in Europe. Previously, no research determined the impact of fintech adaptability, fintech security, fintech risk, technological innovation, fintech service transformation, or fintech process disruption on Europe's fintech sector's financial inclusion. Chapter one determines the theoretical aspects of FINTECH, history and applications of FINTECH in Europe. This research is backed by the theories of diffusion and evaluation. Further chapter 2 present the literature related to the impact of fintech adaptability, fintech security, fintech risk, technological innovation, fintech service transformation, and fintech process disruption on the financial inclusion. The quantitative Likert scale survey method is employed for this research. A convenience-sampling method of the non-probabilistic techniques is used for concluding this study due to a shortage of time, and data is collected through Google Forms. The Google Form URL has been sent to the 220 Fintech service users in Europe to fill out the survey, therefore the response rate is 100%. SPSS analyses the demographics of respondents, and it also performs reliability analysis and factor analysis to ensure the analysis's reliability. The hypothesis validation results are generated by SPPS software through regression analysis, which confirms the results that fintech adaptability significantly positively impacts financial inclusion; fintech risk significantly positively impacts financial inclusion; fintech financial security significantly positively impacts financial inclusion; technology innovation is significantly positively related to financial inclusion; process disruption is significantly positively related to financial inclusion; and fintech service transformation is significantly positively related to the financial inclusion of the fintech sector in Europe. |
