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Unveiling FinTech 4.0 in India: Adoption Trends and Behavioral Insights Through TAM-3

Unveiling FinTech 4.0 in India: Adoption Trends and Behavioral Insights Through TAM-3
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Author(s): Preeti Sharma (Sharda School of Business Studies, India)and Rashi Gupta (Sharda University, India)
Copyright: 2026
Pages: 28
Source title: Regulation and Innovation in Financial Markets
Source Author(s)/Editor(s): Safae Ismaili (TALY Green & Growth, Morocco)
DOI: 10.4018/979-8-3373-1404-4.ch004

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Abstract

The current chapter explores the development of fintech 4.0 in India (Delhi-NCR as a case), analyzing adoption trends and consumer behavioral insights using Technology Acceptance Model-3 (TAM-3). It traces the historical progression of FinTech from its early stages to the current era, highlighting key technological advancement such as artificial intelligence, block chain, and open banking. Through an in-depth analysis of adoption drivers- including technological, economic, psychological, and regulatory factors- this study identifies the critical determinants influencing consumer acceptance and usage of FinTech solutions. Furthermore, it discusses the role of fintech literacy, trust, and security concerns in shaping consumer behavior. By integrated the theoretical framework of TAM-3, the current research provides a comprehensive understanding of fintech adoption, offering valuable insights for financial institutions, policy makers, and technology developers.

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