Decoding Fintech Adoption: The Role of Trust, Risks and Perceived Benefits

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.