TAM3 MODEL: LEARNING ABOUT DIGITAL PAYMENT SYSTEMS IN “FINTECH” ACCEPTANCE
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Abstract
Although there are advances in the Technology Acceptance Model (TAM3), there is a need to measure the perception and behavioral attitude in the technology use or there is a lack of knowledge regarding the Fintech acceptance approach regarding ease of use as key external variable of the model. The purpose of this study was according to their socioeconomic stratum and gender, if they consider that learning in relation to the different digital payment systems facilitates their use. 370 graduate students at a private university participated, who completed the online instrument “Fintech acceptance regarding ease of use as a key external variable of the TAM3 model”. The results show that there is a high percentage that are agree that learning in relation to payment systems, the analysis of Variance ANOVA showed that the effects help to identify the important factors that influence the perception regarding facilitation of the use of the digital payment system and provides information on the relationships between these variables. It is concluded that among certain factors and categories of the TAM3 Model, where the factors are relevant in the acceptance of digital payment systems in the context of Fintech, such as the reputation of the provider, previous experiences, time reduction and lack of physical presence when designing strategies.
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