Bank becomes cashless: Determinants of acceptance of mobile banking (fintech) services among banking service users

Fintech services such as mobile banking are gaining significant acceptance among the citizens in Bangladesh. Therefore, this study aims to explore the determinants that influence banking service users’ decisions to accept and use fintech services such as mobile banking in an emerging market, specifically in Bangladesh. A questionnaire was developed and distributed to individuals actively using banking services in Bangladesh. A total of 400 questionnaires were distributed to individuals who have active bank accounts. This study obtained a total of 315 valid responses that were deemed suitable for inclusion in the data analysis, with a response rate of 78.75%. Furthermore, a five-point Likert scale was utilized to evaluate the responses to the item-based questionnaire. To evaluate the hypotheses, a significance…