International Journal of Research and Scientific Innovation (IJRSI)
Decoding Fintech Adoption: The Role of Trust, Risks and Perceived Benefits
Published October 24, 2025 • Vol. 12, Issue 9, pp. 4610–4619Open Access
DOI: 10.51244/IJRSI.2025.120800419
Abstract
FinTech adoption in today’s digital world is rapidly transforming the way individuals manage financial transactions, especially in emerging economies. This study explores how perceived benefits, perceived risks, and trust influence the intention to adopt FinTech services among users in Kalaburagi district, Karnataka. Adopting a descriptive and quantitative research design, data were collected from 50 FinTech users through a structured questionnaire using a 5-point Likert scale. Convenience sampling was used to reach respondents familiar with mobile banking, UPI, digital wallets, and online investment services. Secondary data from scholarly sources supported the conceptual framework. Data were analysed using Microsoft Excel with frequency, percentage, and visual chart analysis. The findings suggest that trust and perceived benefits strongly influence adoption intent, while perceived risks have a relatively lower impact.
Keywords: FinTech Adoption, Consumer Trust, Perceived Risks and Benefits
| Journal | International Journal of Research and Scientific Innovation (IJRSI) |
|---|---|
| ISSN | 2321-2705 |
| Volume / Issue | Volume 12, Issue 9 |
| Pages | 4610–4619 |
| Publication date | October 24, 2025 |
| DOI | 10.51244/IJRSI.2025.120800419 |
| Publisher | RSIS International |
| License | Open Access |
How to cite this article
Dr A P Hosmani, & Puranik Shraddha Raghukant (2025). Decoding Fintech Adoption: The Role of Trust, Risks and Perceived Benefits. International Journal of Research and Scientific Innovation (IJRSI), 12(9), 4610-4619. https://doi.org/10.51244/IJRSI.2025.120800419
BibTeX
@article{Dr2025,
title = {Decoding Fintech Adoption: The Role of Trust, Risks and Perceived Benefits},
author = {Dr A P Hosmani and Puranik Shraddha Raghukant},
journal = {International Journal of Research and Scientific Innovation (IJRSI)},
volume = {12},
number = {9},
pages = {4610--4619},
year = {2025},
doi = {10.51244/IJRSI.2025.120800419},
publisher = {RSIS International}
}