Factors affecting consumers’ acceptance of e-commerce consumer credit service

Understanding FinTech Platform Adoption: Impacts of Perceived Value and Perceived Risk

FinTech platforms are one of the most important elements in the rapidly digitized world’s economy. This study investigates the factors that affected individuals’ acceptance of FinTech services, especially on internet wealth management platforms. The current research extends the unified theory of acceptance and use of technology (UTAUT) published by MIS Quarterly with integrated financial consumption attributes (i.e., perceived value and perceived risk) alongside the core construct of UTAUT. Data were collected from an established survey company. The empirical results indicate that perceived value, perceived risk, and social influence are strongly related to individuals’ FinTech adoption intention, whereas performance expectancy, effort expectancy, and perceived risk affect individuals’ perceived value, which in turn influences adoption intention. The proposed FinTech adoption model could contribute to information technology (IT) adoption research by extending the UTAUT in which individuals’ performance expectancy and effort expectancy affect their adoption intention indirectly through perceived value. Finally, the implications of the proposed new model for future research and FinTech practice are discussed.

Structuring China Business Credit Management System and Relevant Characteristic Variables Based on the Tree Model

Nowadays, many credit deficiencies are in the Chinese business field, so it is urgent to accelerate the business credit system construction. In China, structuring the credit system is more appropriate than the integrity system particularly in business. Although business credit system is complex, the tree model could clearly analyse its structure and content. Based on the Chinese central government's file, “Social Credit System Construction Planning Outline (2014-2020),” the tree model is utilized and the authors suggest major objectives, key tasks and ten major relationships to the credit system construction in Chinese business fields. Also, several credit characteristic variables are put forward as scientific evaluation in order to enhance the objective management for the business credit system. The real case, Ningxia Hui Autonomous Region in 2015 is verified in the evaluation model.