{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,7,28]],"date-time":"2026-07-28T14:44:51Z","timestamp":1785249891779,"version":"3.55.0"},"reference-count":82,"publisher":"MDPI AG","issue":"5","license":[{"start":{"date-parts":[[2021,6,17]],"date-time":"2021-06-17T00:00:00Z","timestamp":1623888000000},"content-version":"vor","delay-in-days":0,"URL":"https:\/\/creativecommons.org\/licenses\/by\/4.0\/"}],"funder":[{"DOI":"10.13039\/501100001809","name":"National Natural Science Foundation of China","doi-asserted-by":"publisher","award":["71732006"],"award-info":[{"award-number":["71732006"]}],"id":[{"id":"10.13039\/501100001809","id-type":"DOI","asserted-by":"publisher"}]},{"DOI":"10.13039\/501100001809","name":"National Natural Science Foundation of China","doi-asserted-by":"publisher","award":["71433001"],"award-info":[{"award-number":["71433001"]}],"id":[{"id":"10.13039\/501100001809","id-type":"DOI","asserted-by":"publisher"}]},{"DOI":"10.13039\/501100001809","name":"National Natural Science Foundation of China","doi-asserted-by":"publisher","award":["71722014"],"award-info":[{"award-number":["71722014"]}],"id":[{"id":"10.13039\/501100001809","id-type":"DOI","asserted-by":"publisher"}]},{"DOI":"10.13039\/501100001809","name":"National Natural Science Foundation of China","doi-asserted-by":"publisher","award":["91546119"],"award-info":[{"award-number":["91546119"]}],"id":[{"id":"10.13039\/501100001809","id-type":"DOI","asserted-by":"publisher"}]},{"DOI":"10.13039\/501100001809","name":"National Natural Science Foundation of China","doi-asserted-by":"publisher","award":["2018WZDXM020"],"award-info":[{"award-number":["2018WZDXM020"]}],"id":[{"id":"10.13039\/501100001809","id-type":"DOI","asserted-by":"publisher"}]},{"DOI":"10.13039\/501100001809","name":"National Natural Science Foundation of China","doi-asserted-by":"publisher","award":["71731009"],"award-info":[{"award-number":["71731009"]}],"id":[{"id":"10.13039\/501100001809","id-type":"DOI","asserted-by":"publisher"}]},{"DOI":"10.13039\/501100001809","name":"National Natural Science Foundation of China","doi-asserted-by":"publisher","award":["NSFC-FRQ\/7191101304"],"award-info":[{"award-number":["NSFC-FRQ\/7191101304"]}],"id":[{"id":"10.13039\/501100001809","id-type":"DOI","asserted-by":"publisher"}]}],"content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":["JTAER"],"abstract":"<jats:p>FinTech platforms are one of the most important elements in the rapidly digitized world\u2019s economy. This study investigates the factors that affected individuals\u2019 acceptance of FinTech services, especially on internet wealth management platforms. The current research extends the unified theory of acceptance and use of technology (UTAUT) published by MIS Quarterly with integrated financial consumption attributes (i.e., perceived value and perceived risk) alongside the core construct of UTAUT. Data were collected from an established survey company. The empirical results indicate that perceived value, perceived risk, and social influence are strongly related to individuals\u2019 FinTech adoption intention, whereas performance expectancy, effort expectancy, and perceived risk affect individuals\u2019 perceived value, which in turn influences adoption intention. The proposed FinTech adoption model could contribute to information technology (IT) adoption research by extending the UTAUT in which individuals\u2019 performance expectancy and effort expectancy affect their adoption intention indirectly through perceived value. Finally, the implications of the proposed new model for future research and FinTech practice are discussed.<\/jats:p>","DOI":"10.3390\/jtaer16050106","type":"journal-article","created":{"date-parts":[[2021,6,17]],"date-time":"2021-06-17T11:20:26Z","timestamp":1623928826000},"page":"1893-1911","update-policy":"https:\/\/doi.org\/10.3390\/mdpi_crossmark_policy","source":"Crossref","is-referenced-by-count":216,"title":["Understanding FinTech Platform Adoption: Impacts of Perceived Value and Perceived Risk"],"prefix":"10.3390","volume":"16","author":[{"given":"Jianli","family":"Xie","sequence":"first","affiliation":[{"name":"Department of Information Management, School of Management, Xi\u2019an Jiaotong University, No. 28 Xianning West Road, Xi\u2019an 710049, China"}],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Liying","family":"Ye","sequence":"additional","affiliation":[{"name":"College of Business, Southern University of Science and Technology, No. 1088 Xueyuan Avenue, Nanshan District, Shenzhen 518055, China"}],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Wei","family":"Huang","sequence":"additional","affiliation":[{"name":"College of Business, Southern University of Science and Technology, No. 1088 Xueyuan Avenue, Nanshan District, Shenzhen 518055, China"},{"name":"Department of Information Management, School of Management, Xi\u2019an Jiaotong University, No. 28 Xianning West Road, Xi\u2019an 710049, China"}],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Min","family":"Ye","sequence":"additional","affiliation":[{"name":"Department of Information Management, School of Management, Xi\u2019an Jiaotong University, No. 28 Xianning West Road, Xi\u2019an 710049, China"}],"role":[{"vocabulary":"crossref","role":"author"}]}],"member":"1968","published-online":{"date-parts":[[2021,6,17]]},"reference":[{"key":"ref_1","doi-asserted-by":"crossref","first-page":"86","DOI":"10.1080\/07421222.2018.1440770","article-title":"Investor platform choice: Herding, platform attributes, and regulations","volume":"35","author":"Jiang","year":"2018","journal-title":"J. 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