Navigating Behavioural Barriers to Fintech Chatbot Adoption: An Extended Innovation Resistance Theory Approach
The study explores the multifaceted dimensions of user resistance through the lens of the Extended Innovation Resistance Theory (IRT), providing insight into functional, psychological and behavioural inhibitors that prevent users from integrating fintech chatbot functionality into their financial ma...
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| Format: | Article |
| Language: | English |
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Faculty of Management & Finance, University of Colombo
2024-06-01
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| Series: | Colombo Business Journal |
| Subjects: | |
| Online Access: | https://mgmt.cmb.ac.lk/cbj/wp-content/uploads/2024/07/4.-CBJ-2023-MKT-4-V15I1-Fintech-Chatbot.pdf |
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| _version_ | 1841560316297609216 |
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| author | Muhammed Jisham Vanitha Selvaraj Abin John |
| author_facet | Muhammed Jisham Vanitha Selvaraj Abin John |
| author_sort | Muhammed Jisham |
| collection | DOAJ |
| description | The study explores the multifaceted dimensions of user resistance through the lens of the Extended Innovation Resistance Theory (IRT), providing insight into functional, psychological and behavioural inhibitors that prevent users from integrating fintech chatbot functionality into their financial management practices. This study employed a quantitative approach and conducted PLS-SEM to analyse the data collected from 286 fintech users. Findings suggest that behavioural inhibitors and IRT variables, except image barrier, play a critical role in preventing users from adopting fintech chatbots. This study emphasises the need to address these behavioural complexities to foster a more conducive environment for the integration of fintech chatbot technology into the financial services industry. A significant contribution of this research is that it introduces a behavioural dimension to the IRT to explore factors affecting the adoption of fintech chatbots, thus contributing to the existing literature on the user adoption and resistance of technology. |
| format | Article |
| id | doaj-art-1a7380d2b78046cd9af0466a566c98d4 |
| institution | Kabale University |
| issn | 1800-363X 2579-2210 |
| language | English |
| publishDate | 2024-06-01 |
| publisher | Faculty of Management & Finance, University of Colombo |
| record_format | Article |
| series | Colombo Business Journal |
| spelling | doaj-art-1a7380d2b78046cd9af0466a566c98d42025-01-04T07:50:12ZengFaculty of Management & Finance, University of ColomboColombo Business Journal1800-363X2579-22102024-06-011518010410.4038/cbj.v15i1.171Navigating Behavioural Barriers to Fintech Chatbot Adoption: An Extended Innovation Resistance Theory ApproachMuhammed Jisham0https://orcid.org/0000-0001-7968-6751Vanitha Selvaraj1Abin John2Department of Commerce and Financial Studies, Bharathidasan University, IndiaDepartment of Commerce and Financial Studies, Bharathidasan University, IndiaDepartment of Commerce and Financial Studies, Bharathidasan University, IndiaThe study explores the multifaceted dimensions of user resistance through the lens of the Extended Innovation Resistance Theory (IRT), providing insight into functional, psychological and behavioural inhibitors that prevent users from integrating fintech chatbot functionality into their financial management practices. This study employed a quantitative approach and conducted PLS-SEM to analyse the data collected from 286 fintech users. Findings suggest that behavioural inhibitors and IRT variables, except image barrier, play a critical role in preventing users from adopting fintech chatbots. This study emphasises the need to address these behavioural complexities to foster a more conducive environment for the integration of fintech chatbot technology into the financial services industry. A significant contribution of this research is that it introduces a behavioural dimension to the IRT to explore factors affecting the adoption of fintech chatbots, thus contributing to the existing literature on the user adoption and resistance of technology.https://mgmt.cmb.ac.lk/cbj/wp-content/uploads/2024/07/4.-CBJ-2023-MKT-4-V15I1-Fintech-Chatbot.pdffintech chatbotsuser resistanceinnovation resistance theoryinertiaprocrastination |
| spellingShingle | Muhammed Jisham Vanitha Selvaraj Abin John Navigating Behavioural Barriers to Fintech Chatbot Adoption: An Extended Innovation Resistance Theory Approach Colombo Business Journal fintech chatbots user resistance innovation resistance theory inertia procrastination |
| title | Navigating Behavioural Barriers to Fintech Chatbot Adoption: An Extended Innovation Resistance Theory Approach |
| title_full | Navigating Behavioural Barriers to Fintech Chatbot Adoption: An Extended Innovation Resistance Theory Approach |
| title_fullStr | Navigating Behavioural Barriers to Fintech Chatbot Adoption: An Extended Innovation Resistance Theory Approach |
| title_full_unstemmed | Navigating Behavioural Barriers to Fintech Chatbot Adoption: An Extended Innovation Resistance Theory Approach |
| title_short | Navigating Behavioural Barriers to Fintech Chatbot Adoption: An Extended Innovation Resistance Theory Approach |
| title_sort | navigating behavioural barriers to fintech chatbot adoption an extended innovation resistance theory approach |
| topic | fintech chatbots user resistance innovation resistance theory inertia procrastination |
| url | https://mgmt.cmb.ac.lk/cbj/wp-content/uploads/2024/07/4.-CBJ-2023-MKT-4-V15I1-Fintech-Chatbot.pdf |
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