PERCEIVED CONVENIENCE AND CONSUMER’S INTENTION TO ADOPT FINTECH SERVICES IN NIGERIA
Abstract
The broad objective of this study is to examine the effect of perceived convenience on consumer’s intention to adopt and actual adoption of Fintech services in Nigeria. A descriptive survey research design was used in the study. Users of Fintech services such as Kuda, Palmpay, Opay, and Moniepoint across the south east states of Nigeria formed the target population which is in line with the objective of the study. A sample size of 384 obtained through an appropriate technique was used in the study. In the study, purposive sampling which is a non-probability sampling technique was used. The study utilized Microsoft Excel and the Statistical Package for the Social Sciences (SPSS) for data analysis. Findings showed that perceived convenience exerts statistically significant and positive effect on consumer’s intention to adopt and actual adoption of Fintech services in Nigeria. It was concluded that perceived convenience significantly influences consumer’s intention to adopt and actual adoption of Fintech services in Nigeria. The study recommended that Fintech companies in Nigeria should invest significantly in creating a seamless and intuitive user experience. This includes a clear, minimalist interface, logical navigation, and a quick onboarding process. A well-designed user interface and user experience can directly increase a consumer’s perception of convenience, which is a critical driver of adoption.
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Published in BUSINESS AND FINANCE JOURNAL
ISSN: 988-47878
This article appears in our peer-reviewed academic journal
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