Abstract
The rapid evolution of financial technology (fintech) has reshaped the way consumers
and businesses interact with financial services. This paper provides a systematic survey
of the recent literature and examines the key drivers of fintech adoption by building on
well-established technology acceptance models (such as TAM, UTAUT, and TPB),
such as perceived usefulness, ease of use, social influence, and facilitating conditions.
Emerging factors such as financial literacy, hedonic motivation, and trust, especially
important during crises like the Covid-19 are also considered. The findings provide
actionable insights for researchers and industry stakeholders to enhance user acceptance
and guide future innovation.