Determinants of expected benefits in Fintech services: Evidence from Vietnam's Gen Z

This study examines the factors influencing Gen Z's decision to adopt Fintech services in Ho Chi Minh City, focusing on six key variables: perceived usefulness, perceived ease of use, perceived reputation, social influence, convenience, and attitude. Data were collected through a questionnaire survey with a sample of 162 respondents, meeting the requirements for factor analysis. Using exploratory factor analysis (EFA) and linear regression, the study found that all regression coefficients were positive, indicating a significant positive impact of these factors on Fintech adoption. The findings suggest that as perceptions of benefits, reputation, convenience, social influence, and attitude toward Fintech improve, Gen Z users are more likely to adopt these services. These insights provide valuable implications for Fintech providers seeking to enhance user engagement and adoption among the younger demographic.