Czynniki ekonomiczne jako determinanty atrakcyjności oferty sektora fintech dla klientów indywidualnych banków

Krzysztof Świeszczak

doi:10.18778/2391-6478.3.51.08

Authors

Krzysztof Świeszczak Faculty of Economics and Sociology, University of Lodz https://orcid.org/0000-0002-2286-7778

DOI:

https://doi.org/10.18778/2391-6478.3.51.08

Keywords:

bank, fintech, offer, purchasing decisions, attractiveness determinants

Abstract

The purpose of the article. The aim of this publication is to analyze the importance of economic factors for assessing the attractiveness of the FinTech sector’s offer among individual clients of the banking sector and the banking sector and the FinTech sector. The following hypothesis was put forward in the article: the average level of importance of economic factors for assessing the attractiveness of the FinTech sector’s offer does not differ statistically significantly for individual customers of the banking sector and individual customers of the banking sector and the FinTech sector.

Methodology. To verify the hypothesis and achieve the purpose of the study, 240 PAPI interviews were conducted among banking-sector customers. The sample comprised:

120 individual banking-sector customers who had not yet used FinTech services.
120 individual banking-sector customers with experience using FinTech services.

The questionnaire survey was preceded by in-depth interviews with experts, academics researching FinTech, and owners and co-owners of FinTech businesses.

Results of the research. The research found that individual banking-sector clients who had not yet used FinTech services were more likely to agree that higher monthly expenditure, creditworthiness, income, and savings were associated with a higher assessment of the attractiveness of the FinTech sector’s offer. No statistically significant differences were found for the remaining statement. The results positively verify the hypothesis that the average importance of economic factors in assessing the attractiveness of the FinTech sector’s offer does not differ significantly between banking-sector clients and clients using both banking and FinTech services.

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