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1

Adoption factors in digital lending services offered by FinTech lenders

100%

Adamek J., Solarz M.

Oeconomia Copernicana

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2023

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vol. 14

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issue 1

169-212

EN

Research background: Traditional financial institutions are facing new competitors - FinTech lenders. The development of these entities and their services depends on many factors, including the level of their acceptance and use by potential and/or current customers. This acceptance determines the ability to create desired financial results and defines the set of FinTech lenders' activities and also their environment aimed at shaping the offer which meets their consumers' expectations. The limited number of studies addressing the identification and assessment of the impact exerted by the adoption factors of lending services offered by FinTech lenders and the lack of such analyzes relating to these decisions made by consumers from Central and Eastern Europe argue for the need to conduct such research. Purpose of the article: Identify factors driving consumers' adoption of digital lending services offered by FinTech lenders in Poland. Methods: Critical analysis of the source literature, descriptive and comparative analysis, diagnostic survey, econometric methods (PCA, SEM used in the TAM). Empirical data come from the surveys carried out in May 2022 using the CAWI method and covering a representative sample of 1,000 Poles. Findings & value added: The study identified factors driving consumers' adoption of digital lending services, including perceived trust, risk, usefulness and financial health. It has been proven that the perceived ease of use and innovation do not represent the statistically significant constructs influencing the accepted adoption attitudes. The adopted research model shows a considerable power to explain the intention of using digital loans. The article is the first scientific study of this type discussing the identification of adoption factors for loan services offered by FinTech lenders operating on the Central and Eastern European market. The presented example of Poland being the leader in this dynamically developing market provides the background for conducting international comparative studies in the future.

2

Against binarism, simplicity, neatness and stasis. A theoretical prolegomenon to the reality of verbal grams in Biblical Hebrew: From the complexity of semantic maps to the uncomplicatedness of psychological conceptualizations

86%

Andrason A.

Folia Orientalia

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2017

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vol. LIV

3

Acceptance of social fellow groups for learning: extension of technology assessment model (TAM)

72%

Nawaz F., Shakeel S., Nawaz Z., Hamza M. A.

LogForum

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2017

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vol. 13

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issue 2

151-157

EN

Background: Students are progressively creating fellow groups on social media for informal communication and learning. Students have groups for assistance, sharing and discussion. This research is carried out to explore the acceptance of fellow groups among students with the help of technology assessment model (TAM). Methods: Date was collected by the use of adepted questionnaire and elaborated by statistical methods with the help of SPSS 21. Results and conclusions: This Research model suggests that students are accepting evolvement of fellow groups in studies; perceived usefulness of groups and ease of use exhibit positive relationship towards attitude towards use. This research also identifies that perceived enjoyment of fellow groups strengthen the relationship of perceived usefulness, perceived ease of use and attitude towards use.

PL

Wstęp: Studenci tworzą coraz więcej grup społecznych w mediach społecznościowych dla nieformalnej komunikacji oraz edukacji. Są to grupy wsparcia, pomocy oraz dyskusyjne. Celem tej pracy jest sprawdzenie poziomu akceptowalności grup społecznościowych studentów przy pomocy modelu TAM (technology assessment model). Metody: Dane zostały zebrane na podstawie przeprowadzonych ankiet i poddane analizie statystycznej za pomoca SPSS 21. Wyniki i wnioski: Model badawczy sugeruje, że studenci akceptują włączenie grup społecznościowych do procesu nauki, doceniają użyteczność tych grup oraz łatwość stosowania jak również nawiązywania relacji. Zidentyfikowano również zadowolenia ankietowanych osób ze wzmocnienia relacji pomiędzy uczestnikami grup oraz łatwego do nich dostępu.

Refine search results

1 Folia Orientalia

1 LogForum

1 Oeconomia Copernicana

1 Adamek J.

1 Andrason A.

1 Hamza M. A.

1 Nawaz F.

1 Nawaz Z.

1 Shakeel S.

1 Solarz M.

1 2023

2 2017

Adoption factors in digital lending services offered by FinTech lenders

Against binarism, simplicity, neatness and stasis. A theoretical prolegomenon to the reality of verbal grams in Biblical Hebrew: From the complexity of semantic maps to the uncomplicatedness of psychological conceptualizations

Acceptance of social fellow groups for learning: extension of technology assessment model (TAM)