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A Preliminary Study Exploring the Effects of Artificial Intelligence on Fintech Innovation Resistance

In: Proceedings of the 2022 2nd International Conference on Economic Development and Business Culture (ICEDBC 2022)

Author

Listed:
  • Siqi Jiang

    (Beijing Normal University at Zhuhai, International Business Faculty)

  • Yuyin Tang

    (Beijing Normal University at Zhuhai, International Business Faculty)

  • Jung Chieh Lee

    (Beijing Normal University at Zhuhai, International Business Faculty)

Abstract

ABSTRACT As a cutting-edge financial technology (fintech), artificial intelligence (AI) has been incorporated into financial services, thereby facilitating the innovation of financial services. However, extant research has failed to explore users’ resistance to AI-based fintech innovation. Accordingly, this paper develops a research model by employing innovation resistance theory (IRT) to understand the ways in which certain AI features, i.e., intelligence and anthropomorphism, impact fintech innovation resistance via innovation barriers (usage barriers, value barriers, risk barriers, traditional barriers, and image barriers) among fintech users. The proposed model helps us further understand the perceptions of individual users concerning the use of innovative fintech services in the context of AI.

Suggested Citation

  • Siqi Jiang & Yuyin Tang & Jung Chieh Lee, 2022. "A Preliminary Study Exploring the Effects of Artificial Intelligence on Fintech Innovation Resistance," Advances in Economics, Business and Management Research, in: Yushi Jiang & Yuriy Shvets & Hrushikesh Mallick (ed.), Proceedings of the 2022 2nd International Conference on Economic Development and Business Culture (ICEDBC 2022), pages 923-927, Springer.
    • Handle: RePEc:spr:advbcp:978-94-6463-036-7_136
    DOI: 10.2991/978-94-6463-036-7_136
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