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Adoption of FinTech services amidst COVID-19 pandemic: empirical evidence from Assam

Ankita Das (Department of Business Administration, Tezpur University, Tezpur, India)
Debabrata Das (Assam Rajiv Gandhi University of Cooperative Management, Sivasagar, India)

Managerial Finance

ISSN: 0307-4358

Article publication date: 23 December 2022




The paper intends to comprehend the pattern of usage of FinTech services among bank customers during the COVID-19 pandemic. The paper also examines the factors influencing the adoption of FinTech services by using the constructs from the technology acceptance model (TAM) together with highlighting the issues faced in using FinTech services in Assam.


The research is empirical in nature. Data have been collected from 1,066 prime earners of the households having a bank account.


There has been an upsurge in the use of FinTech services in the area of study. Apart from government and private service employees, businessmen, self-employed professionals, many daily-wage earners and agriculturists have also experienced an increase in their frequency of usage of FinTech services thereby making technology-based financial services an indispensable tool in enhancing access, improving inclusivity in the times of crisis and aftermath. Government support, trust, perceived usefulness (PU), attitude and social influence have a positive influence on FinTech adoption; however, perceived risks impact respondents’ trust towards FinTech services thereby requiring necessary measures to evaluate organizations’ preparedness to deal with cyber threats.


The paper provides insight into the factors impacting the adoption of FinTech services to stimulate superior connectivity infrastructure, robust security measures and maintaining financial stability with adequate supervisory and monitoring regulations to enhance trust towards FinTech services during the crisis and aftermath.



Das, A. and Das, D. (2022), "Adoption of FinTech services amidst COVID-19 pandemic: empirical evidence from Assam", Managerial Finance, Vol. ahead-of-print No. ahead-of-print.



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