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Perceived Factors Influencing Adoption of Fintech Payment Platforms by Savings and Loans Companies in Kumasi
Abstract
The study examined the perceptions of managers of Savings and Loan Companies operating within Kumasi Metropolis on the factors influencing the adoption of FinTech payment platforms. A qualitative analysis involving 11 key management personnel was used. A semi-structured interview was used to collect data. The deductive thematic analysis of the data revealed that relative advantage and observability are technological factors perceived by the respondents to influence the adoption of FinTech payment platforms. The study revealed that firm size, top management support and IT resources are the organisational factors perceived to influence FinTech payment platform adoption. The study also discovered that competitive pressure, regulatory framework, customer fulfilment, and sociocultural factors are environmental factors perceived to influence the adoption of the FinTech Payment platform. The study recommends improving and increasing the usefulness of FinTech payment platforms by incorporating the nature and operations of Savings and Loan Companies.
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