Investigating the impact of cognitive factors affecting the use of fintech-based digital banking with the mediating role of behavioral goals (case study: Mellat Bank)
Keywords:
Digital Banking, Fintech, Behavioral Intentions, Adoption, TrustAbstract
The primary objective of this study is to investigate the influence of cognitive factors on the adoption of fintech-based digital banking, emphasizing the mediating role of behavioral intentions in the context of Mellat Bank. In terms of purpose, the research is applied, and with respect to data collection, it follows a descriptive–survey design. The data are quantitative in nature and will be collected using a standardized questionnaire. Accordingly, the research can be classified as survey-based in its execution and field-based in terms of data gathering. The statistical population consists of all customers of Mellat Bank in Tehran. Given the unlimited size of the population, a sample of 384 respondents was determined using Morgan’s table, and convenience sampling was applied. Data analysis will be conducted using SPSS and SmartPLS software. SPSS will be utilized for descriptive statistics, while SmartPLS will be employed for inferential analysis through structural equation modeling to test the research hypotheses. It is anticipated that, following statistical analysis, the effects of cognitive factors (facilitating conditions, performance expectancy, effort expectancy, risk, trust, and social influence) on the adoption of fintech-based digital banking, mediated by behavioral intentions, will be supported
Downloads
References
Alnemer, A. (2024). Impact of fintech readiness, natural resources, and business freedom on economic growth in the CAREC region. Resources Policy, 90, 104846. https://doi.org/10.1016/j.resourpol.2024.104846
Alnemer, A., & Marangunić, N. (2024). Technology acceptance model in educational context: A systematic literature review. British Journal of Educational Technology, 50(5), 2572-2593. https://doi.org/10.1111/bjet.12864
Amanzadeh, M., Sanavifard, R., & Hamidizadeh, A. (2022). E-banking Business Model Based on the Emergence of Fintechs and Financial Startups. Journal of Technology Development Management, 7(2), 195-248. https://doi.org/10.22104/jtdm.2019.3508.2214
Aniqoh, N. A. F. A., Nihayah, A. Z., & Amalia, F. (2022). The role of digital banking industry towards consumer behavior during the COVID 19. Journal of Digital Marketing and Halal Industry, 4(2), 75-88. https://doi.org/10.21580/jdmhi.2022.4.2.13378
Bajunaied, A., Bohnsack, R., Marz, D., & Antunes Marante, C. (2023). A systematic review of the literature on digital transformation: Insights and implications for strategy and organizational change. Journal of Management Studies, 58(5), 1159-1197. https://doi.org/10.1111/joms.12639
Balskas, T., & Davydenko, S. (2024). Reintermediation in FinTech: Evidence from online Lending. Journal of Financial and Quantitative Analysis, 59, 1997-2037. https://doi.org/10.1017/S0022109023000789
Fadai, M., & Fini, A. (2022). The Role of Fintech in the Digital Economy. The First International Congress and Exhibition of Modern Industry and Market Makers, Kish Island, Iran.
Gupta, K., Wajid, A., & Gaur, D. (2024). Determinants of continuous intention to use FinTech services: the moderating role of COVID-19. Journal of Financial Services Marketing, 29, 536-552. https://doi.org/10.1057/s41264-023-00221-z
Hashem, R., Samari, D., Ashrafi, M., & Abbasi, E. (2023). Strategic Analysis of Fintech-Based Entrepreneurship in the Banking Sector. Financial Engineering and Securities Management (Portfolio Management), 10(41), 393-412. https://sid.ir/paper/364848/fa
Karina Ayu, N., & Khusnul, A. (2025). The Effects of Mobile Banking Service Quality on the Satisfaction of the Customers of Bank Central Asia (BCA). Contemporary Studies in Economic, Finance and Banking.
Legass, N., & Dormoush, T. V. (2024). Do Behavioural Biases Drive Adoption of Digital Banking Services? The Moderating Role of User Type. Global Business Review, 09721509231160865. https://journals.sagepub.com/doi/abs/10.1177/09721509231160865
Lenbani, F., & Sedighi Malvani, R. (2021). A Review of the Electronic Banking System. Journal of Law and Political Studies, 1(4), 310-329. https://doi.org/10.22034/jlps.2021.4.5
Moradi, G., Shambiati, H., & Salimi, S. (2021). Prevention of Financing of Terrorism and Money Laundering by Using Customer Risk Identification. Legal Research Quarterly, 21(50), 157-185. https://doi.org/10.48300/jlr.2022.153746
Muhammad, A., Fahad, Z., Sharjeel Ahmad, S., & Zahir, S. (2025). Unlocking Mobile Banking Adoption: The Interplay of Interface Design, System Quality, Service Quality, Security, and Customer Involvement. The Critical Review of Social Sciences Studies.
Nalluri, A. S., & Chen, G. M. (2024). The future of cybersecurity in fintech: Challenges, trends and best practices. International Journal of Science and Research (Ijsr), 13(7), 1509-1515. https://doi.org/10.21275/SR24717223220
Sebayang, T. E., Hakim, D. B., Bakhtiar, T., & Indrawan, D. (2024). What drives mobile banking adoption due to Covid-19 outbreaks? An empirical investigation of the younger generation in Indonesia. Seventh Information Systems International Conference,
Sharifi, M., & Tahmasebi Aghbelaghi, D. (2023). Explaining the Role of Tejarat Bank's Strategic Partnership with Fintechs in Efficiency Mediated by Technological Developments and Digital Banking. Journal of Business Management, 12(3), 800-832. https://doi.org/10.22059/jibm.2020.296288.3753
Taregh, N. P., & Bhardwaj, G. N. (2024). History of Mobile Banking-How It All Started? November 24. https://finanteq.com/blog/fintech-trends/history-of-mobile-banking-how-it-all-started/
Tsobdjou, L. D., Pierre, S., & Quintero, A. (2024). A Framework for Security Assessment of Android Mobile Banking Applications. Comput. Networks Commun. https://doi.org/10.37256/cnc.2120243929
