| Title: |
A Comprehensive Review of Theoretical Models and Investor Behavioural Intentions Toward Digital Platform Adoption in Bengaluru's Fintech Sector. |
| Authors: |
Sahu, Arun Kumar1 arunkumar.sahu@cmr.edu.in; Sachdeva, Shilpa2 shilpa.s@cmr.edu.in |
| Source: |
Advances in Consumer Research. 2025, Vol. 2 Issue 5, p466-474. 9p. |
| Subject Terms: |
*FINANCIAL technology; *MATHEMATICAL models; *FINANCIAL inclusion; *DECISION making in investments; TECHNOLOGY Acceptance Model; DIGITAL technology; PSYCHOLOGICAL factors |
| Geographic Terms: |
BENGALURU (India); INDIA |
| Abstract: |
This study presents a comprehensive review of theoretical models and behavioural factors influencing investor adoption of digital platforms in Bengaluru's fintech sector. With fintech disrupting traditional financial services, understanding how and why investors engage with these platforms is crucial. The review critically examines dominant frameworks such as the Technology Acceptance Model (TAM), Theory of Planned Behaviour (TPB), and Unified Theory of Acceptance and Use of Technology (UTAUT) to evaluate their relevance in explaining investor behaviour within a regional context. Key behavioural drivers identified include trust, perceived usefulness, ease of use, perceived risk, financial literacy, and digital readiness. Findings indicate that while global models offer foundational insights, their applicability in Bengaluru's dynamic fintech environment requires contextual adaptation. Studies reveal that investor intentions are significantly shaped by socio-economic conditions, digital infrastructure, and cultural factors unique to the region. The review also identifies gaps in the literature, including limited integration of behavioural economics and insufficient exploration of investor segmentation. The study proposes a more comprehensive, context-sensitive model to better capture local investor motivations and barriers. The findings aim to guide fintech stakeholders in designing user-centric platforms and strategies that align with behavioural patterns, ultimately contributing to enhanced adoption and financial inclusion in India's growing digital economy. [ABSTRACT FROM AUTHOR] |
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| Database: |
Business Source Premier |