Bhutto Sana Arz, Jamal Yasir, Ullah Saif
Department of Business Administration, ILMA University Karachi, Pakistan.
Business Administration Department, Mohammed Ali Jinnah University, Pakistan.
Heliyon. 2023 Feb 23;9(3):e13967. doi: 10.1016/j.heliyon.2023.e13967. eCollection 2023 Mar.
This study investigates the role of service innovation as a mediator between FinTech adoption and firm growth. Furthermore, the study also explores the role of human resource competency in FinTech adoption. Survey questionnaires were given to participants in this study, which used a quantitative methodology and were distributed to fifty-five United States banks. A sample of 311 responses was collected and analyzed using Structural Equation Modeling (SEM). The results show that human resource competencies such as creating, adapting (to change), deciding to initiate action and interpreting analysis positively impact FinTech adoption. This study also discovered that service innovation contributes to firm growth. The findings confirmed the influence of human resource competencies on FinTech adoption in banks. This study suggests implementing effective human resource practices to develop employee competencies. Employee performance can be optimized to impact service innovation and business growth, which promotes the adoption of FinTech. The research adds to the body of knowledge already available by providing evidence of mediating role between FinTech adoption and firm growth.
本研究探讨了服务创新在金融科技采用与企业增长之间的中介作用。此外，该研究还探讨了人力资源能力在金融科技采用中的作用。本研究采用定量方法，向55家美国银行的参与者发放了调查问卷。收集了311份回复样本，并使用结构方程模型（SEM）进行分析。结果表明，创造、适应（变化）、决定采取行动和解释分析等人力资源能力对金融科技的采用有积极影响。本研究还发现，服务创新有助于企业增长。研究结果证实了人力资源能力对银行采用金融科技的影响。本研究建议实施有效的人力资源实践来培养员工能力。可以优化员工绩效以影响服务创新和业务增长，从而促进金融科技的采用。该研究通过提供金融科技采用与企业增长之间中介作用的证据，丰富了现有知识体系。
