The behavioral Intention of Fintech Usage: Applying Theory of Planned Behavior (TPB) in Jordan

The main objective of this study is to examine the impact of the Theory of Planned Behavior (TPB) on the behavioral intentions of Fintech usage. The model incorporates perceived behavioral control, attitude, and subjective norms, and the researcher has also included perceived risk and perceived trust. This study involved 192 respondents who were Jordanian citizens. An online questionnaire was used as the survey instrument for data collection. The proposed hypotheses were statistically tested using SmartPLS and SPSS software after examining the data based on initial assumptions. The outcome of the data analysis supports several published hypotheses, with all hypotheses being supported. The significant value of this research lies in its examination of the TPB in the Jordanian context, incorporating perceived risk and perceived trust. To the best of the authors? knowledge, no previous study has tested the TPB in the Jordanian setting by including perceived risk and trust to understand the behavioral expectations of Jordanian citizens regarding Fintech usage.