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A Conceptual Framework for Mobile FinTech Adoption: Integrating TAM-TPB with Technology Readiness Index

In: Entrepreneurship and Human-Centric Business Strategies for Social and Economic Resilience

Author

Listed:
  • Wei Wang

    (King Mongkut’s Institute of Technology Ladkrabang, KMITL Business School)

  • Thannaphat Kasemwattanasuk

    (King Mongkut’s Institute of Technology Ladkrabang, KMITL Business School)

  • Singha Chaveesuk

    (King Mongkut’s Institute of Technology Ladkrabang, KMITL Business School)

  • Nuttawut Rojniruttikul

    (King Mongkut’s Institute of Technology Ladkrabang, KMITL Business School)

Abstract

This study proposes a conceptual framework to examine the adoption of mobile financial technology (FinTech) by integrating the Technology Readiness Index (TRI) with a combined Technology Acceptance Model (TAM) and Theory of Planned Behavior (TPB). The framework investigates how technology readiness dimensions, which are optimism, innovativeness, discomfort, and insecurity, influence users’ perceptions of mobile FinTech in terms of perceived usefulness and perceived ease of use. These perceptions subsequently shape users’ attitudes toward using mobile FinTech, which, together with subjective norms and perceived behavioral control, drive the behavioral intention to adopt the technology. A quantitative survey will be conducted and analyzed using Structural Equation Modeling to evaluate how factors influence behavioral intention to adopt mobile financial technology within the integrated TAM, TPB, and TRI framework. Through this integrated approach, the study aims to provide empirical insights that underpin mobile FinTech adoption, enabling service providers and policymakers to design more effective strategies to enhance user acceptance and utilization of mobile FinTech services.

Suggested Citation

  • Wei Wang & Thannaphat Kasemwattanasuk & Singha Chaveesuk & Nuttawut Rojniruttikul, 2026. "A Conceptual Framework for Mobile FinTech Adoption: Integrating TAM-TPB with Technology Readiness Index," Springer Proceedings in Business and Economics, in: Singha Chaveesuk & Seungwoo Shin & Sebastian Kot & Bilal Khalid (ed.), Entrepreneurship and Human-Centric Business Strategies for Social and Economic Resilience, pages 497-509, Springer.
    • Handle: RePEc:spr:prbchp:978-981-95-6415-6_32
    DOI: 10.1007/978-981-95-6415-6_32
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