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Review

Consumer Acceptance of Fintech App Payment Services: A Systematic Literature Review and Future Research Agenda

by
Rotana S. Alkadi
1 and
Salma S. Abed
2,*
1
Finance Department, College of Business, King Abdulaziz University, Rabigh 21911, Saudi Arabia
2
Department of Management Information Systems, College of Business, King Abdulaziz University, Rabigh 21911, Saudi Arabia
*
Author to whom correspondence should be addressed.
J. Theor. Appl. Electron. Commer. Res. 2023, 18(4), 1838-1860; https://doi.org/10.3390/jtaer18040093
Submission received: 28 August 2023 / Revised: 6 October 2023 / Accepted: 6 October 2023 / Published: 12 October 2023
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Abstract

:
This research has undertaken a systematic literature review (SLR) of articles focusing on the acceptance of fintech payment services by identifying 84 peer-reviewed articles published in international scientific journals from 2015 to April 2023. This paper uses the Scientific Procedures and Rationales for Systematic Literature Reviews (SPAR-4-SLR) protocol to gather relevant articles and the theory, context, constructs, and methodology (TCCM) framework to analyse them. The conducted SLR has several findings. First, the Technology Acceptance Model (TAM) is the main theory used to examine consumers’ acceptance of fintech payment services. Second, studies in this area have been conducted in 24 countries, with a focus on Indonesia, Malaysia, and China. The study themes identified include fintech payment apps, Buy Now Pay Later (BNPL), mobile payment, fintech services, e-wallet, and Islamic Fintech. Third, the perceived usefulness, trust, perceived ease of use, and attitude are the four main constructs found to have a significant association with behavioural intention. Finally, most studies (64) rely on quantitative methods, particularly questionnaires. Based on the findings, this study identifies research gaps and provides a future research agenda. The review also has practical implications for policymakers and corporations in developing strategies and policies promoting the acceptance of fintech payment services. Limitations include B2C focus, exclusion of B2B behavior, lack of targeting specific user demographics, and reliance on secondary data. These present opportunities for further research.

1. Introduction

Embracing new technologies has a significant role in the finance industry, which has resulted in a massive increase in the productivity and reachability of its services to consumers [1,2]. The financial technology (fintech) phenomenon has appeared in economic science as a result of the increasing presence of technologies in the market of financial services [3]. Although the definition of fintech varies among scholars [4], fintech can be broadly defined as a service sector made up of companies that employ technology and innovations to improve the efficiency and accessibility of financial operations [5,6,7].
While fintech’s dynamic development is strongly linked to the early 1990s’ development of the Internet, the fintech revolution officially began with the widespread adoption of smartphones, which occurred after 2010 [3,8]. More importantly, since 2015, both the awareness and adoption of fintech services have witnessed a massive increase (from 16% in 2015, to 33% in 2017, and up to 64% in 2019) [9]. COVID-19 and the lockdown also played a crucial role in the increasing adoption of fintech services [10].
Despite the growing interest in fintech, there is still a lack of agreement among scholars and practitioners on its definition and theoretical foundations [6]. This might be due to the wide range of services and applications used within the fintech concept, which covers areas such as digital banking, payments, insurance, crowdfunding, asset management, and many others [5]. The importance and success of fintech services rely heavily on the perception of consumers towards accepting and adopting them [4]. Hence, consumers’ perception and their intention to use the fintech services and applications, and the factors affecting their behaviour, have all been of great concern in both practice and academia. Several researchers have been examining different factors that impact consumers’ perceptions towards adopting fintech services, in different contexts, and even relied on different theories in supporting their claims [10]. However, limited research has conducted a systematic review of consumer adoption of fintech payment services. For instance, ref. [6] provided a broad systematic review of fintech that encompassed all its services and products, but their study only covered the period before COVID-19. Ref. [11] conducted a review focused on digital financial technology adoption, including all its types, but only until 2020. Therefore, these studies do not cover the most recent developments in the quickly changing landscape of fintech. Moreover, given the need for policymakers and business providers to better understand consumers’ perceptions of fintech payment services, it is highly necessary to focus on one specific angle of fintech, i.e., fintech app payment services, and conduct a systematic review that includes recent studies up until April 2023. This will not only provide valuable insights for future research but also increase awareness and knowledge of this aspect of fintech. As fintech app payment services are highly relevant in both practice and academia, this paper aims to provide a systematic literature review (SLR) of their acceptance by consumers.
Studies using a literature review indicate that well-written SLR papers should follow a scientific procedure [12]. Therefore, the present paper continues in this trend by applying the “Scientific Procedures and Rationales for Systematic Literature Reviews” (SPAR-4-SLR) protocol [13]. Such an approach has not been followed widely in the literature review studies on the consumer adoption of fintech services (particularly the payment services). This paper is also distinctive as it follows the theory, context, constructs and methodology (TCCM) framework presented by [14] in its analysis and results. The current study is also unique in that it covers the period from the emergence of studies related to fintech payment services and consumer acceptance (i.e., 2015) until April 2023. Another contribution is related to the inclusion of a newly established fintech payment service, Buy Now Pay Later (BNPL). This service is one of the trending fintech solutions that have received recent attention in academic studies [15,16,17,18]. Due to its recent emergence, we found that there is no systematic review, until now, that has covered this fintech payment service. The current study includes this new fintech service and its acceptance by consumers in its review to provide a better understanding. Furthermore, the study contributes conceptually by identifying and summarizing the factors influencing the adoption and acceptance of fintech apps in payment services. As a result, the findings provide readers with identified gaps and suggest a number of future research directions and a future research agenda, particularly in relation to the enhancement of fintech payment services. Overall, the current paper aims to answer the following questions:
RQ1:
How many studies have been done relating to consumers’ adoption of fintech payment services?
RQ2:
What are the contexts used by researchers in previous studies?
RQ3:
What are the methods applied by researchers in previous studies?
RQ4:
What are the theories used by researchers in previous studies?
RQ5:
What are the factors that influenced consumers’ adoption of fintech payment services?
RQ6:
What are the recommendations for future studies in this field?
The rest of the paper is organized as follows: Section 2 describes the methodology used in this paper. Section 3 presents the results of the literature review. Section 4 discusses and analyses the results. Section 5 provides a future research agenda. Section 6 presents the research contributions, and Section 7 concludes the paper.

2. Methodology

This study applied an SLR to observe the relevant existing literature on consumer acceptance of fintech app payment services in order to analyse the related body of literature. To achieve this goal, the researchers used the proposed protocol by [13], namely SPAR-4-SLR, to conduct the study in three stages (i.e., assembling, arranging, and assessing), as well as six substages (i.e., identification, acquisition, organization, purification, evaluation, and reporting).
This study, which was conducted in the beginning of May 2023, included all relevant studies up until April 2023, with no specified starting year. Based on the inclusion and exclusion of the identified articles, and due to the recency of the topic, the first study of fintech acceptance and adoption by consumers was identified in 2015, representing the modern nature of this topic. Figure 1 presents the flowchart with the three research stages, as well as the six substages to highlight the eligibility criteria and selection of the articles that are part of this literature.

2.1. Assembling

The first stage of this research protocol is called the assembling section, which includes the identification and acquisition of the literature [13]. In the present study, the assembling includes the identification of previous research on the acceptance of fintech app payment services from the consumer’s perspective. This research focuses on peer-reviewed research articles published in international journals listed in electronic databases, including ScienceDirect, Scopus, Emerald Insight, and Google Scholar [19,20,21]. As examining fintech acceptance and adoption by consumers is recent, the first study was identified in 2015, with others following, up to April 2023. Furthermore, as the purpose of this study was to undertake a complete search aiming to develop the present literature and knowledge on consumer acceptance of fintech app payment services, a number of keywords were used in the search. In the first screening, we used the following keywords: (Consumer* AND acceptance* AND fintech* AND apps* AND “payment services”). This search was accepted in Google Scholar and Emerald Insight. However, ScienceDirect and Scopus do not accept the * symbol. Accordingly, a second screening was based on the following keywords: (“Consumer” OR “Customer” OR “User”) AND (“acceptance” OR “adoption”) AND (“fintech”) AND (“payment” OR “payment services”) AND (“apps” OR “applications”). The total number of articles returned from the search based on each database is as follows: 4620 from Google Scholar, 126 from Emerald Insight, 52 from ScienceDirect, and 27 from Scopus, making a total of 4825 articles. While ScienceDirect, Scopus, and Emerald Insight are reliable databases and have features that allow the researcher to limit the searching process to only peer-reviewed articles, Google Scholar helps in achieving a wider range of scholarly articles that are published by various renowned academic and scientific publishers, such as EBSCO, Springer Link, ProQuest, Taylor and Francis, SAGE, and many others. Using Google Scholar required a massive effort in the later stages in order to include only peer-reviewed articles and exclude other documents.

2.2. Arranging

The second stage of this research protocol is called arranging, which includes the organization and purification of articles by developing the eligibility criteria. In the organization subsection, the organization code was according to the journal name, year, title, citation, reference, geographical context, research method, data collection, sample size, number of citations, theoretical approach, and constructs analysis. This study followed the TCCM framework presented by [14].
In the purification subsection, a set of inclusion and exclusion criteria was decided before starting the search. The exclusion criteria were studies written in languages other than English (n = 6) and papers examining other fields of technology adoption (n = 97). Conferences, dissertations, working papers, and book chapters were also excluded from this study (n = 4489), as well as papers with inappropriate focus, such as organizations’ and SMEs’ adoption of fintech services (n = 120), and not peer-reviewed articles (n = 18). The study included peer-reviewed articles that explore consumer acceptance of fintech app payment services (n = 95). The final number analysed in this study after a duplicate check is 84 peer-reviewed articles.

2.3. Assessing

The last stage of this research protocol is called assessing, which includes the evaluation and reporting of the identified research in the literature [13]. In this paper, the researchers utilized content analysis and developed a review protocol to guide the content analysis of the collected articles on consumer acceptance of fintech app payment services. The review protocol was adopted from [22] (see Table 1). This protocol involved an initial analysis to gain overall insights before conducting a thorough review and structuring the relevant literature. The collected papers were classified using a single category for each dimension, and then content was analysed through descriptive analysis based on specific key characteristics: author(s), journal name, publication year, title, geographical focus, aim and goals, major themes, type of research article, data collection method, sample size, data analysis method, theoretical approach, dependent variables, main findings, and number of citations. We reviewed ten articles to ensure inter-rater reliability and reach a consensus on their classification, and also presented the study to another group of academicians to validate it and incorporate feedback. To enhance maximum inclusion and coverage of the existing literature, we used the snowballing technique but did not find a significant increase in new cases, further confirming the validity of our initial research.
The research gaps and areas for future research were then identified, based on the TCCM framework [14]. To report the results, tables and figures describing the themes of the TCCM framework were presented in the results of the conducted review. The study reported some limitations, i.e., articles were only in English, and the analysis method was limited to content analysis.

3. Results

The results of the reviewed articles are presented in this section, following the TCCM framework [14]. Prior to that, overviews of the publication year trends and numbers of citations are presented.

3.1. A General Overview of the Results

Based on the collected articles, the year-wise distribution (Figure 2) shows a significant increase in the number of papers focusing on the acceptance of fintech payment services, where the year 2022 shows the highest increase. This growing trend signifies the importance of the topic in academia.
Table 2 presents an overview of the top ten cited articles. The table is divided into the reference, journal, title, and number of citations as per Google Scholar (extracted on 3 May 2023). In terms of number of citations (Table 2), the top three cited papers are those published by [23,24,25].

3.2. Theories (T)

As per theories or models identified in the reviewed literature (Figure 3), it can be seen that most articles (23) relied on the Technology Acceptance Model (TAM). The Unified Theory of Acceptance and Use of Technology (UTAUT) is also widely considered (10 times), and its extension (UTAUT2) is also used by two studies. Theory of Planned Behavior (TPB) and Theory of Reasoned Actions (TRA) are seen to be combined with other theories when used (nine articles did this). Sixteen articles did not have a theory or model at all, while 11 articles tended to develop a new model. The usage of the impulsive buying theory emerges in 2020 (two articles). Some theories, such as the Economic theory and life-cycle model, multiple discrepancies theory, theories of economic sociology, social cognitive theory, and post acceptance model (PAM), have each only been used in one article.

3.3. Context (C)

The geographical context of the reviewed articles is presented in Figure 4A,B. As shown in Figure 4A, the highest number of papers were produced in Indonesia and Malaysia (14 articles each), followed by China (ten articles). Other commonly considered countries are Bangladesh (six articles), followed by Australia and India (five articles each), the United Kingdom and South Korea (four articles each), and USA, Vietnam, and Taiwan (three articles each), while Brazil and Pakistan have two articles each. Other countries have been considered just once: Germany, Hungary, Jordan, Maldives, Portugal, Romania, Russia, Saudi Arabia, Singapore, Spain, and Yemen. Overall, as Figure 4B illustrates, most of the studies are concentrated in Southeast Asian countries.
In terms of the context, based on the research theme/topic of the paper, Table 3 presents the identified themes within the fintech application adoption context and the references. Furthermore, Figure 5 shows that most of the articles (31) have considered the fintech apps without specifications; 14 have examined fintech services; 12 have studied mobile payment; and 11 recent articles have focused on the BNPL payment services. E-wallet and Islamic Fintech have also been an area of focus by five articles each. E-payment was considered twice, while the remaining themes (Fintech and Health, Open Banking, AI Fintech, and Mobile wallet) have appeared only once.

3.4. Construct (C)

The literature shows a number of constructs (49) that have been significantly associated with the acceptance of fintech payment services (as a dependent variable), with behavioural intention as an independent variable; these constructs are presented in Figure 6. The factor that has been examined most in the reviewed literature and been found to have a significant association with fintech payment services is perceived usefulness (21 times); only two papers found that this factor does not have a significant impact. Trust is the second highest significant factor in the acceptance and adoption of fintech payment services (16 times); again, only two papers did not support such results. The third most examined construct is perceived ease of use (15 times); although five articles claimed the opposite results. Fourteen studies found significant association between attitude and behavioural intention. Eleven studies have examined social influence and found it to be significant in the fintech adoption context. Both perceived risk and perceived security were shown to be significant by some studies (ten times for each factor). Performance expectancy, effort expectancy, and perceived benefits are also commonly examined factors, where most papers tested them (nine articles for each) and supported their significance; only two articles found effort expectancy to be not significant. Figure 6 presents all the factors that showed a significant association with the acceptance and adoption of fintech payment services, where each factor is classified as supported if the factor is found to be significant, and not supported if it is insignificant. Table 4 presents the 17 factors that have been examined in the adoption of fintech payment services, with citations for the supported and not supported factors.

3.5. Methods (M)

The methods used in the reviewed studies are summarized in Figure 7. It can be seen that most of them used a quantitative approach, particularly primary data/questionnaire (64 times). The results also show that seven articles used a qualitative approach, and six applied a literature review approach. The mixed method approach was used by four articles. Only one article in the reviewed literature relied on secondary data, and one applied a conceptual framework. Table 5 provides more details of the papers’ citations, divided based on the research methods used. Most articles have used Quantitative (Questionnaire), followed by Qualitative (Content Analysis) and Literature Review. A few papers utilized Mixed Methods (Questionnaires and Interviews), and two studies utilized a conceptual framework.
The results discussed in this section have been incorporated into a comprehensive framework, based on [98] and others, which is presented in Figure 8.

4. Discussion

This section discusses and analyses the results of the previous section, and hence answers the research questions. RQ1 was addressed by applying an SLR to observe the relevant existing literature on consumer acceptance of fintech app payment services. To achieve this goal, the researchers used the proposed protocol by [13], namely SPAR-4-SLR, to conduct the study in three stages (i.e., assembling, arranging, and assessing), as well as six substages (i.e., identification, acquisition, organization, purification, evaluation, and reporting). The study was conducted without specifying a timeframe, up to April 2023. Based on keyword searches and the inclusion and exclusion of the identified articles, 84 peer-reviewed research articles were identified that are published in international journals listed in electronic databases including ScienceDirect, Scopus, Emerald Insight, and Google Scholar from 2015 to April 2023 [19,20,21]. After that, an analysis of the geographic distribution of the published articles was used to address RQ2. The results indicate that 24 countries have been considered when examining the acceptance of fintech payment services. Most of the studies are in Indonesia, Malaysia, and China. A possible reason for the high attention in these countries is the high level of fundraising in this sector by investors who have paid great attention to fintech. Moreover, the young, unbanked population in these countries has fuelled an increase in fintech adoption [99]. Additionally, governments’ motivations and efforts in developing a qualified infrastructure for fintech payment services in these countries might be another reason for the higher adoption by consumers. However, fintech payment services are highly supported by other countries’ governments and are used by consumers in their daily lives. Hence, further countries need to be considered and examined. RQ2 was also addressed by another context classification, i.e., the theme/topic of the identified studies; the results indicate that most of the studies have not specified a certain fintech payment service or app. This might be in the hope of more generalization of the results. However, this is a fast-growing sector, and many services and apps options are being released, which signifies the importance of greater specification. Although the BNPL theme is very recent (2020 onwards), it is receiving attention from academia, as 11 articles considered this theme. The Islamic Fintech theme is also considered by some articles, given that fintech is highly considered in Malaysia and Indonesia, which are both Islamic countries. RQ3 was addressed by analysing the methods applied by researchers in previous studies. Most of the studies relied on primary data (questionnaire). A possible reason for this is that fintech payment services are considered to be emergent, therefore reaching the users through questionnaires can reflect their insights and perceptions. However, there is a clear need for secondary data analysis, as consumers’ perceptions might differ from one country to another, and secondary data can be a better approach to generalizing the results. Moreover, the mixed-methods approach is rarely used, though it can actually provide a more thorough understanding. A conceptual framework was used only twice, although it, too, can provide a better understanding of this recent topic. The analysis of theories used by researchers in previous studies (addressing RQ4) indicates that a limited number of theories and models have been used when examining the acceptance of fintech payment services, mostly TAM and UTAUT. The high usage of these two theories might be due to their significance and popularity in examining technology acceptance and the adoption of new and modern technologies in different contexts [100]. Hence, many researchers adopted TAM or UTAUT, and some added a few constructs to those in the adopted theory. The analysis also shows that many of the studies did not specify any theory or model (16 times), while a few of them incorporated two or more theories. The limited number of papers that used a combination of theories might be due to the complexity of building such a combination with logical reasoning. The analysis of theory trends since the emergence of fintech services reveals that in the initial years of 2017–2018, the primary focus was on applying the TAM as the theoretical framework. Subsequently, in 2019, scholars increasingly utilized UTAUT. From 2020 onwards, researchers began to explore other theories and models such as the TPB and the TRA. Additionally, some researchers have sought to integrate multiple theories in their efforts to gain a more nuanced understanding of consumer acceptance of fintech services. Nevertheless, TAM and UTAUT also have still been used in recent years, with additional constructs. Understanding the evolution of theoretical trends in the field of fintech adoption can be highly beneficial for marketers and the banking industry. This knowledge can help them develop effective strategies, stay up to date on emerging frameworks, and enhance consumer engagement.
The factors (constructs) that influenced consumers’ adoption of fintech payment services have been analysed to address RQ5. Many of the studies focused on certain constructs, such as the perceived usefulness, trust, perceived ease of use, attitude, perceived risk, and social influence; however, consumer innovativeness, financial literacy, and awareness have rarely been considered. Furthermore, other moderating factors need to be examined, such as age, gender, income, and educational level, in the adoption of fintech payment services. Those constructs and moderators need further examination to reflect a better understanding and provide a greater potential of the generalization of their influence on the acceptance of fintech payment services. The findings and the discussion provided in this paper have several practical implications, which are discussed below.

4.1. Managerial Level Implications

The study shows that usefulness and ease of use are two of the most significant determinants of adopting fintech payment services by consumers. Hence, at a managerial level, fintech service providers (i.e., telecom companies, financial institutions, and online retailers) need to ensure that their fintech products are both user-friendly and useful. To improve usability, service providers should conduct user testing to identify and address pain points and optimize their products’ features and design. They can also provide user-friendly tutorials and customer support to enhance the user experience. Trust was also found to be an important factor that influenced the adoption of fintech payment services. Therefore, it is imperative for fintech service providers to implement innovative features that foster trust, such as gamification and social referral systems. Additionally, these service providers must not only prioritize the security of their services but also communicate and accentuate the security features to consumers in order to build trust and credibility.

4.2. Policy Implications

For policymakers, factors such as social influence and awareness need more attention. Several countries’ governments are investing heavily in developing their fintech services but awareness by consumers about these services is still missing. Hence, governments need to consider investing in creating fintech awareness. Moreover, the diffusion of digital financial services is more significantly influenced by regulatory and general market conditions [101]. Hence, governments of countries with limited adoption of fintech services should consider improving their infrastructure and regulations to promote the usage of fintech services. Finally, policymakers may have an essential role by applying regulations requiring certain criteria (i.e., ease of use, security, preserving the consumers’ rights) for the fintech services’ providers in order to increase the adoption of these services.

4.3. Academic Research Implications

This paper provides researchers with detailed information about consumer acceptance of fintech payment services and the gaps found in the literature. This information allows them to better understand the various theories, methods, and constructs that have been examined and are currently available in the literature. Furthermore, this study identifies the research gaps in the literature and provides research directions that academic researchers can consider as bases for future research.

5. Research Gaps and Future Research Agenda

The acceptance of fintech app payment services is receiving growing attention, which opens the door for future research. This section answers RQ6 by providing recommendations and opportunities for future research investigations based on the gaps identified in the reviewed literature. Following [14], these recommendations are classified based on the TCCM framework.

5.1. Theories—Future Agenda

It was found that most studies relied heavily on certain theories (e.g., TAM, UTAUT, TRA, TPB) when investigating the consumer acceptance of fintech payment services. Other multi-discipline theories can be applied to provide a better understanding. This is particularly important, as fintech services are innovative and develop quickly, and the consumer acceptance behaviour includes different aspects (e.g., socio-political, psychological). Hence, applying more recent theories that incorporate different aspects is essential. For instance:
  • Most of the studies have examined technology acceptance theories and models in the fintech adoption context. This includes TAM and UTAUT. Future research could combine these theories with other models, such as The DeLone and McLean Model of Information Systems (IS) Success Model [102], to provide a better understanding of the most significant factors that affect fintech adoption by consumers.
  • The electronic Word of Mouth (eWOM) theory is considered a multi-disciplinary theory that combines sociology, marketing, and IS literatures. Ref. [103] found that there is an association between eWOM and consumers’ purchasing intention. Hence, examining the eWOM impact or association with the acceptance of fintech app payment services can be considered in future research.
  • The impulsive buying behaviour theory has been employed by some recent studies, particularly on the BNPL service e.g., [17,44]. Studies on other themes (i.e., e-wallet, mobile payment) have also considered this theory. Future studies can examine consumers’ acceptance of one of the fintech app payment services based on impulsive buying behaviour. This is particularly important, as the world is becoming a cashless society and fintech payment services may stimulate impulsive purchasing behaviour.
  • Understanding the acceptance of fintech payment services is complicated, as it includes different stakeholders. Hence, future researchers are advised to develop new models that incorporate moderating and mediating effects for better understanding [56].

5.2. Context—Future Agenda

In terms of geographical context, the literature shows that many studies depended heavily on Southeast Asian countries (Indonesia, Malaysia, and China). Few studies have considered India and no study has been conducted in South Africa, based on the reviewed literature, although these countries are considered at the top of the list of consumers fintech adoption [9]; therefore, this study suggests:
  • Conducting more studies targeting countries other than the widely investigated ones. The MENA region is also one of the areas that have not been considered, although some of its countries’ governments (i.e., Saudi Arabia) have injected massive investments into fintech services. Hence, those countries can be considered in future research. Moreover, EU countries have been considered by a very limited number of studies, though some EU countries can be potential contexts for future studies (e.g., France, Sweden, and Austria).
  • In terms of demographic context, most of the studies focused on young adults (Millennials) [10,29,92]. Older adults (above 50) commonly have different preferences, and this segment is highly neglected in the literature. It is recommended that future studies examine the challenges faced by the older generation (above 50) in accepting the usage of fintech payment services.
  • Additionally, there is different technology acceptance behaviour between male and female consumers. Very few studies have considered the difference between male and female acceptance of fintech payment services e.g., [74]. Future studies are encouraged to differentiate between the acceptance of fintech payment services between males and females.
  • Furthermore, variation in education level has not been considered widely, i.e., only considered by [17]. Future studies may consider how different educational levels influence the acceptance of fintech payment services.
  • In terms of the themes/topics, it was found that the majority of studies have examined the fintech apps as a whole, with no specification of a certain app or payment service. Future studies may consider specification and focus on examining the acceptance of a particular fintech payment service. For instance, the BNPL is one of the themes that can be highly considered in future research, particularly using a quantitative approach for testing the factors influencing the consumer acceptance of the BNPL mechanism. To the best of our knowledge, only [17] examined some factors in Dhaka city (Bangladesh). Hence, this theme can be highly considered in the future.

5.3. Construct—Future Agenda

In terms of construct (characteristics), based on the reviewed literature, limited studies have examined the factors of accepting the BNPL theme of fintech payment services [17,44,47,50], as well as the impulsive buying behaviour of e-wallet adoption. Accordingly, there are massive numbers of factors that can be examined with regard to the acceptance of these contexts; future research directions include:
  • Examine the factors that have been considered in other fintech payment services acceptance in the BNPL context (i.e., perceived usefulness, trust, perceived ease of use, perceived security, perceived convenience, awareness, etc.) (Figure 6 gives more factors).
  • Impulsive buying behaviour can be a factor to be studied in e-wallet and mobile payment acceptance, especially as these themes have a low number of articles, based on the reviewed literature. This factor is essential, as some studies argue that once an individual puts money into his/her e-wallet, it is regarded as spent [104]. Hence, consumers may believe that e-wallet money must be spent (impulsive buying behaviour).

5.4. Methods—Future Agenda

Based on the reviewed literature, many of the studies were conducted using primary data and quantitative analysis, which may limit the usability of the results in different geographical contexts [11].
  • Future research may consider secondary data, for instance, using the number of transactions by each fintech payment service provider [16]. More importantly, secondary data can be used in examining causality between some factors and consumer acceptance of fintech payment services by applying Difference-in-Differences (DiD) tests.
  • It was also noticed that use of a qualitative approach is very limited; hence gathering an in-depth understanding of consumers’ beliefs and experience is recommended. In such cases NVivo and other tools can be utilized.
  • A mixed-methods approach is rarely used in the reviewed literature. While it is a more complex approach, it can be considered in future research, as it provides a thorough understanding of consumers’ acceptance.

6. Research Contributions

During the literature review process, it was observed that some previous systematic review studies had addressed the topic of fintech [6,105,106,107,108]. However, the current study offers a unique perspective. For example, ref. [6] conducted a systematic review of many fintech services before the COVID-19 pandemic. In contrast, this study focuses solely on the literature related to fintech payment apps, including newer services such as BNPL, up until April 2023. Similarly, ref. [105] only reviewed research up until 2019, while the current study includes more recent research, resulting in a more up-to-date understanding of the fintech landscape. Ref. [106] considered the broader concept of fintech services but only assessed 14 articles. Conversely, this study examines 84 peer-reviewed articles on fintech payment apps, analyzing recent theories, constructs, and methodologies. While some previous research [107] explored fintech from a company perspective, this study focuses on the context of consumers, aiming to understand their perception and acceptance of fintech payment services. Additionally, a previous study [108] only identified 16 articles from a single database, whereas the present study reviewed 84 peer-reviewed articles from various databases (namely Scopus, ScienceDirect, Emerald, and Google Scholar). Furthermore, their methodology and framework were not clearly stated, whereas this study utilized the SPAR-4-SLR protocol and TCCM framework, which were explicitly explained in the present study. Overall, this study offers several key contributions for future researchers, which can be summarized in the following points:
  • First, the present paper can be followed in the phase of collecting data from databases, i.e., the SPAR-4-SLR protocol [13]. This approach has not been followed in the literature review studies in the consumer adoption of fintech services. Applying this protocol can guide future researchers in conducting literature reviews.
  • Second, the paper is distinctive as it followed the TCCM framework presented by [14] in the analysis and results, which has not been followed in the literature review studies in the consumer adoption of fintech services. This can also guide future researchers to follow a framework in conducting literature reviews.
  • Third, the current study is unique as it synthesizes recent studies by covering the period from the beginning of the emergence of studies related to fintech payment services and consumer acceptance (2015) until April 2023. Future researchers who are interested in this subject can benefit from this literature, as it covers the studies from the beginning of the emergence of this context.
  • Fourth is the inclusion of a newly established fintech payment service, i.e., BNPL, which has been one of the trending fintech solutions that have received recent attention in academic studies [15,16,17,18]. Due to its recent emergence, we found that there has been no systematic review, until now, that has covered this fintech payment service. The current study includes this new fintech service and its acceptance by consumers in its review to provide a better understanding for future researchers.
  • Fifth, the study contributes conceptually by identifying and summarizing the theories and factors influencing the adoption and acceptance of fintech apps in payment services. As a result, future researchers can examine other theories and factors in different geographical contexts.

7. Conclusions

This paper has presented a literature review of articles focusing on the acceptance of fintech payment services. Eighty-four peer-reviewed articles were identified from 2015 to April 2023, and most were published in 2022. Twenty-four countries have been examined in the identified articles, mostly in Indonesia, Malaysia, and China. The identified articles mostly studied the fintech payment apps, the BNPL, mobile payment, fintech services, e-wallet, and the Islamic Fintech. The main theory used to understand the consumer acceptance of fintech payment services was the TAM. The four constructs that were tested and found to have a significant association with the acceptance behaviour were perceived usefulness, trust, perceived ease of use, and attitude. Research gaps and a future research agenda, and research academic contributions have also been presented. The paper provides valuable insights, such as the need to incorporate more recent theories, examine the challenges faced by older generations, target underrepresented countries, and differentiate acceptance by gender. The study further emphasizes the importance of investigating specific fintech payment services, like BNPL, and utilizing both secondary data and mixed methods in future research.
The current paper, like any other, has some limitations that suggest opportunities for further research in the future. First, it considered one aspect of the fintech payment services by focusing on Business to Consumer (B2C), but has not considered Business to Business (B2B) acceptance behaviour. Moreover, this paper focused particularly on fintech payment services, which is a single branch of the wider fintech services, such as insurance, crowdfunding, asset management, and many others [5]. Additionally, the SLR context does not concentrate on a particular demographic of mobile payment or fintech users, such as millennials or generation Z, who are often the prominent users of such technologies. Finally, the paper conducted a literature review with secondary data but did not collect primary data. These limitations can be valuable insights for future research. Despite its limitations, this study aims to evaluate the historical and predicted contributions of academia to consumer acceptance of fintech payment apps, and to propose a future research agenda.

Author Contributions

Conceptualization, S.S.A. and R.S.A.; methodology, R.S.A.; software, S.S.A.; validation, R.S.A. and S.S.A.; formal analysis, R.S.A.; investigation, R.S.A.; resources, S.S.A.; data curation, S.S.A.; writing—original draft preparation, R.S.A.; writing—review and editing, S.S.A.; visualization, R.S.A. and S.S.A.; supervision, S.S.A.; project administration, R.S.A. All authors have read and agreed to the published version of the manuscript.

Funding

This research received no external funding.

Institutional Review Board Statement

Not applicable.

Informed Consent Statement

Not applicable.

Data Availability Statement

Not applicable.

Conflicts of Interest

The authors declare no conflict of interest.

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Jtaer 18 00093 g001
Figure 1. SPAR-4-SLR protocol. Note: the symbol * allows to search multiple variations of the keywords.
Figure 1. SPAR-4-SLR protocol. Note: the symbol * allows to search multiple variations of the keywords.
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Figure 2. Year-wise distribution of papers.
Figure 2. Year-wise distribution of papers.
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Figure 3. Frequency of theories/models. Note: TAM = Technology Acceptance Model, TRA = Theory of Reasoned Actions, TPB = Theory of Planned Behavior, UTAUT = Unified Theory of Acceptance and Use of Technology, UTAUT2 = an extension of UTAUT, PAM = Post Acceptance model, ISSM = Information System Success Model, AIDUA = Artificially Intelligent Device Use Acceptance framework, and DOI = the Diffusion of Innovation theory.
Figure 3. Frequency of theories/models. Note: TAM = Technology Acceptance Model, TRA = Theory of Reasoned Actions, TPB = Theory of Planned Behavior, UTAUT = Unified Theory of Acceptance and Use of Technology, UTAUT2 = an extension of UTAUT, PAM = Post Acceptance model, ISSM = Information System Success Model, AIDUA = Artificially Intelligent Device Use Acceptance framework, and DOI = the Diffusion of Innovation theory.
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Figure 4. (A) Geographical context. (B) Geographical context on the world map.
Figure 4. (A) Geographical context. (B) Geographical context on the world map.
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Figure 5. Number of papers by theme/topic.
Figure 5. Number of papers by theme/topic.
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Figure 6. Number of significant and non-significant factors identified in the literature.
Figure 6. Number of significant and non-significant factors identified in the literature.
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Figure 7. Research methods used in the reviewed papers.
Figure 7. Research methods used in the reviewed papers.
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Figure 8. A comprehensive TCCM framework.
Figure 8. A comprehensive TCCM framework.
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Table 1. Review protocol.
Table 1. Review protocol.
Bibliographic DataDescriptionCriteria
Author(s)Who is the author?All
JournalIn which journal was the paper published?All
Year of publicationWhen was the article published?Up to April 2023
TitleWhat is the title of the paper?All
Geographical focusWhere do the data come from?All
Aim/GoalsWhat are the main goals of the study?All
Major themesWhat are the major themes of fintech studies?All
Type of research articleWhat is the nature of the research article?Qualitative, Quantitative, Literature Review, Conceptual Framework, or Mixed Methods
Data collection methodWhat is the data collection method?All
Sample sizeWhat is the sample size?All
Data analysis methodWhat is the data analysis method?All
Theoretical approachWhich theories has the study utilized?All
Dependent variablesWhat dependent variables are explored in the study?All
Main findingsWhat are the main findings of the study?All
CitationsWhat is the number of citations, based on Google Scholar?All
Table 2. The ten most cited studies (Extracted 3 May 2023).
Table 2. The ten most cited studies (Extracted 3 May 2023).
#Author(s)Journal NameTitleTotal Citations (Based on Google Scholar)
1Gomber et al. [23]Journal of Management Information Systems, On the fintech revolution: Interpreting the forces of innovation, disruption, and transformation in financial services 1066
2Hu et al. [24]SymmetryAdoption intention of fintech services for bank users: An empirical examination with an extended technology acceptance model348
3Belanche et al. [25]Industrial Management & Data SystemsArtificial Intelligence in FinTech: understanding robo-advisors adoption among customers341
4Chuang et al. [26]International Journal of Management and Administrative SciencesThe adoption of fintech service: TAM perspective.278
5Stewart and Jürjens [27]Information & Computer Security.Data security and consumer trust in FinTech innovation in Germany207
6Lim et al. [5]International Journal of Human–Computer InteractionAn empirical study of the impacts of perceived security and knowledge on continuous intention to use mobile fintech payment services193
7Shiau et al. [28]Industrial Management & Data SystemsUnderstanding fintech continuance: perspectives from self-efficacy and ECT-IS theories 157
8Barbu et al. [29]Journal of Theoretical and Applied Electronic Commerce ResearchCustomer experience in fintech 137
9Kim et al. [30]Advanced Science and Technology LettersAn empirical study on the adoption of “Fintech” service: Focused on mobile payment services. 120
10Singh et al. [31]Management DecisionWhat drives FinTech adoption? A multi-method evaluation using an adapted technology acceptance model 110
Table 3. Research themes.
Table 3. Research themes.
ThemeReference
Fintech and health Nathan et al. [32]
Fintech ServicesAlshari and Lokhande [33]; Aseng [34]; Chuang et al. [26]; Karim et al. [35]; Kim et al. [30]; Koroleva [36]; Lee and Pan [37]; Mainardes et al. [38]; Ngo and Nguyen [39]; Roh et al. [40]; Singh et al. [31]; Souza and Spers [41]; Wang et al. [42]; Yan et al. [43]
Artificial Intelligence in fintechBelanche et al. [25]
Buy Now Pay Later (BNPL)Aalders [15]; Ah Fook and McNeill [44]; DawnBurton [45]; Feng et al. [46]; Gerrans et al. [47]; Johnson et al. [48]; Khan and Haque [17]; Pattamatta and Dabadghao [49]; Schomburgk and Hoffmann [50]; Tan [18]
e-paymentAbdillah [51]; Johan [52]
e-walletAlwi et al. [53]; Alwi [8]; Karim et al. [54]; Lim et al. [5]; Yeh [55]
Fintech appsAbdul-Rahim et al. [56]; Agustiningsih et al. [57]; Al Nawayseh [58]; Barbu et al. [29]; Daragmeh et al. [10]; Darmansyah et al. [59]; Datta [60]; Handarkho et al. [61]; Hu et al. [24]; Lantang et al. [62]; Lee [63]; Mascarenhas et al. [64]; Ming and Jais [65]; Nan et al. [66]; Nurfadilah and Samidi [67]; Oladapo et al. [68]; Purba et al. [69]; Shahzad et al. [70]; Shiau et al. [28]; Singh et al. [31]; Spulbar et al. [71]; Stewart et al. [27], Susilo et al. [72]; Tang et al. [73]; Tun-Pin et al. [74]; Vaicondam et al. [75]; Wang [76]; Wardani et al. [77]; Weichert [78]; Won-jun [79]; Zhang and Kim [80]
Islamic FintechAli et al. [81]; Bakri and Yahaya [82]; Maryam et al. [83]; Rahim et al. [84]; Shaikh et al. [85]
Mobile paymentBelanche et al. [86]; Bommer et al. [4]; Choi et al. [87]; Diana and Leon [88]; Gomber et al. [23]; Haritha [89]; Hassan et al. [90]; Hwang et al. [91]; Khuong et al. [92]; Laksamana et al. [93]; Xie et al. [94]; Yahaya and Ahmad [95]
Mobile walletYang et al. [3]
Open BankingChan et al. [96]
Table 4. Top 17 factors affecting adoption of fintech payment services.
Table 4. Top 17 factors affecting adoption of fintech payment services.
#FactorSupportedNot Supported
1Perceived Usefulness (PU) Agustiningsih et al. [57]; Alshari and Lokhande [33]; Chuang et al. [26]; Daragmeh et al. [10]; Handarkho et al. [61]; Haritha [89]; Hu et al. [24]; Lantang et al. [62]; Ming and Jais [65]; Nurfadilah and Samidi [67]; Shaikh et al. [85]; Singh et al. [31]; Susilo et al. [72]; Tun-Pin et al. [73]; Vaicondam et al. [74]; Won-jun [78]; Laksamana et al. [92]; Mainardes et al. [37]; Nathan et al. [31]; Shiau et al. [27]; Singh and Sharma [97]Shahzad et al. [70]; Belanche et al. [25]
2Trust Ali et al. [81]; Al Nawayseh [58]; Alshari and Lokhande [33]; Chuang et al. [26]; Hassan et al. [90]; Hwang et al. [91]; Purba et al. [69]; Shahzad et al. [70]; Stewart and Jürjens [27]; Vaicondam et al. [75]; Laksamana et al. [93]; Mainardes et al. [38]; Nathan et al. [32]; Roh et al. [40]; Wang et al. [42]; Yan et al. [43]Nan et al. [66]; Nurfadilah and Samidi [67]
3Perceived Ease of use Alshari and Lokhande [33]; Chuang et al. [26]; Haritha [89]; Nurfadilah and Samidi [67]; Shaikh et al. [85]; Purba et al. [69]; Shahzad et al. [70]; Singh et al. [31]; Susilo et al. [72]; Tun-Pin et al. [74]; Vaicondam et al. [75]; Koroleva [36]; Laksamana et al. [93]; Nathan et al. [32]; Singh and Sharma [97]Barbu et al. [29]; Daragmeh et al. [10]; Hu et al. [24]; Won-jun [79]; Mainardes et al. [38]
4Attitude Alshari and Lokhande [33]; Belanche et al. [86]; Chuang et al. [26]; Hu et al. [24]; Karim et al. [35]; Ming and Jais [65]; Nurfadilah and Samidi [67]; Oladapo et al. [68]; Susilo et al. [72]; Belanche et al. [25]; Koroleva [36]; Laksamana et al. [93]; Nathan et al. [32]; Roh et al. [40]
5Perceived Risk Ali et al. [81]; Chan et al. [96]; Diana and Leon [88]; Hassan et al. [90]; Ming and Jais [65]; Nan et al. [66]; Tang et al. [73]; Xie et al. [94]; Laksamana et al. [93]; Singh and Sharma [97]Belanche et al. [25]; Hu et al. [24]; Khuong et al. [92]; Mascarenhas et al. [64]; Vaicondam et al. [75]
6Social Influence Al Nawayseh [58]; Aseng [34]; Bommer et al. [4]; Chan et al. [96]; Hassan et al. [90]; Nan et al. [66]; Tun-Pin et al. [74]; Xie et al. [94]; Yahaya and Ahmad [94]; Rahim et al. [84]; Yan et al. [43]Khuong et al. [91]; Singh et al. [30]; Wardani et al. [76]
7Perceived Benefits Abdul-Rahim et al. [56]; Ali et al. [81]; Al Nawayseh [58]; Diana and Leon [88]; Hassan et al. [90]; Khuong et al. [92]; Mascarenhas et al. [64]; Zhang and Kim [80]; Maryam et al. [83]
8Perceived Security Aseng [34]; Bommer et al. [4]; Lee and Pan [37]; Stewart and Jürjens [27]; Tun-Pin et al. [74]; Won-jun [79]; Zhang and Kim [80]; Laksamana et al. [93]; Roh et al. [39]; Singh and Sharma [97]Khuong et al. [92]; Lantang et al. [62]; Purba et al. [69]; Tang et al. [73]
9Performance Expectancy Aseng [34]; Bommer et al. [4]; Chan et al. [96]; Lee and Pan [37]; Nan et al. [66]; Wardani et al. [77]; Xie et al. [94]; Yahaya and Ahmad [95]; Rahim et al. [84]
10Effort Expectancy Aseng [34]; Bommer et al. [4]; Chan et al. [96]; Lee and Pan [37]; Nan et al. [66]; Wardani et al. [77]; Xie et al. [94]; Maryam et al. [83]; Rahim et al. [84]Hassan et al. [90]; Yahaya and Ahmad [95]
11User Innovativeness Shahzad et al. [70]; Shaikh et al. [85]; Tun-Pin et al. [74]; Lee [63]; Mainardes et al. [38]; Maryam et al. [83]; Nathan et al. [32]Nurfadilah and Samidi [67]
12Facilitating ConditionsBommer et al. [4]; Haritha [89]; Hassan et al. [90]; Yahaya and Ahmad [95]; Rahim et al. [84]Xie et al. [94]
13Subjective NormBelanche et al. [25]; Daragmeh et al. [10]; Oladapo et al. [68]; Singh and Sharma [98]; Wang et al. [42];Belanche et al. [86]
14Perceived ConvenienceHwang et al. [91]; Khuong et al. [92]; Zhang and Kim [80]
15SatisfactionHandarkho et al. [61]; Lantang et al. [62]; Shiau et al. [28]
16Perceived ValueBarbu et al. [29]; Xie et al. [94]; Yan et al. [43]
17CompatibilityHandarkho et al. [61]; Lee and Pan [37]; Yeh [55]
Table 5. Widely used research methods.
Table 5. Widely used research methods.
Quantitative (Questionnaire)Quantitative (Empirical Using Secondary Data)Qualitative (Content Analysis)Mixed Methods (Questionnaires and Interviews)Literature ReviewConceptual Framework
Abdillah [51]; Abdul-Rahim et al. [56]; Agustiningsih et al. [57]; Ah Fook and McNeill [44]; Al Nawayseh [58]; Ali et al. [81]; Alshari and Lokhande [33]; Alwi et al. [53]; Aseng [34]; Barbu et al. [29]; Belanche et al. [25]; Belanche et al. [86]; Chan et al. [96]; Choi et al. [87]; Chuang et al. [26]; Daragmeh et al. [10]; Darmansyah et al. [59]; Diana and Leon [88]; Gerrans et al. [47]; Handarkho et al. [61]; Haritha [89]; Hassan et al. [90]; Hu et al. [24]; Hwang et al. [91]; Johan [52]; Karim et al. [54]; Karim et al. [35]; Khan and Haque [17]; Khuong et al. [92]; Koroleva [36]; Laksamana et al. [93]; Lantang et al. [62]; Lee [63]; Lee and Pan [37]; Lim et al. [5]; Mainardes et al. [38]; Maryam et al. [83]; Mascarenhas et al. [64]; Ming and Jais [65]; Nan et al. [66]; Nurfadilah and Samidi [67]; Oladapo et al. [68]; Purba et al. [69]; Rahim et al. [84]; Roh et al. [40]; Schomburgk and Hoffmann [50]; Shahzad et al. [70]; Shaikh et al. [85]; Shiau et al. [28]; Singh and Sharma [97]; Stewart and Jürjens [27]; Susilo et al. [72]; Tang et al. [73]; Tun-Pin et al. [74]; Vaicondam et al. [75]; Wang et al. [42]; Wardani et al. [77]; Won-jun [79]; Xie et al. [94]; Yahaya and Ahmad [95]; Yan et al. [43]; Yang et al. [3]; Yeh [55]; Zhang and Kim [80]Guttman-Kenney et al. [16]Aalders [15]; Bakri and Yahaya [82]; Datta [60]; DawnBurton [45]; Johnson et al. [48]; Nathan et al. [32]; Tan [18]Alwi [8]; Ngo and Nguyen [39]; Singh et al. [31]; Wang [76]Bommer et al. [4]; Gomber et al. [23]; Pattamatta and Dabadghao [49]; Souza and Spers [41]; Spulbar et al. [71]; Weichert [78]Feng et al. [46]; Kim et al. [30]
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MDPI and ACS Style

Alkadi, R.S.; Abed, S.S. Consumer Acceptance of Fintech App Payment Services: A Systematic Literature Review and Future Research Agenda. J. Theor. Appl. Electron. Commer. Res. 2023, 18, 1838-1860. https://doi.org/10.3390/jtaer18040093

AMA Style

Alkadi RS, Abed SS. Consumer Acceptance of Fintech App Payment Services: A Systematic Literature Review and Future Research Agenda. Journal of Theoretical and Applied Electronic Commerce Research. 2023; 18(4):1838-1860. https://doi.org/10.3390/jtaer18040093

Chicago/Turabian Style

Alkadi, Rotana S., and Salma S. Abed. 2023. "Consumer Acceptance of Fintech App Payment Services: A Systematic Literature Review and Future Research Agenda" Journal of Theoretical and Applied Electronic Commerce Research 18, no. 4: 1838-1860. https://doi.org/10.3390/jtaer18040093

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