The mediating role of technological aptitude in the impact of the adoption of products and services offered by fintech companies on perceived organizational performance

This study was conducted to determine the mediating role of technological aptitude in the effect of the adoption of the products and services offered by financial technology companies that emerged after the 2008 world economic crisis on the perceived organizational performance. Financial technology companies offer services such as payments/money transfer, cryptocurrency, insurance, etc. Based on this, the universe of this study consists of food, insurance and informatics sector employees who adopt the payment services offered by fintech companies. Food, insurance and informatics sector employees who adopted the payment service of fintech companies in Düzce, which were selected by convenience sampling method, were selected as the sample group on the grounds that the entire population could not be reached. Data were collected from the participants by face-to-face survey technique. Analyzes were carried out using the SPSS 23 and AMOS programs with the 434 error-free data collected. Within the scope of the study, the scale of adoption of fintech products and services, whose validity and reliability analyzes were carried out, was prepared. In addition, descriptive statistics, CFA, EFA and mediation analyzes were applied to the obtained data. In the analyzes made, a 5-dimensional fintech adoption scale was obtained: trust, perceived usefulness, attitude, social impact and perceived ease of use. While the perceived organizational performance consists of one dimension, the technological aptitude scale consists of the dimensions of optimism, innovativeness and usefulness. As a result of the mediation analysis, attitude, social impact and perceived ease of use dimensions of fintech adoption positively affect the perceived organizational performance. The perceived usefulness and trust dimensions of fintech adoption did not have a significant effect on the perceived organizational performance. Within the scope of the study, 15 mediation hypotheses were found. As a result of the mediation analysis, no significant effect of the innovativeness dimension of technological aptitude on perceived organizational performance was found. Based on this, it has been determined that the innovativeness dimension of technological aptitude does not have a mediating role in the effect of Fintech adoption on perceived organizational performance. The optimism dimension of technological disposition has a mediating role in the effect of social impact and perceived ease of use dimensions of fintech adoption on perceived organizational performance. At the same time, the mediating role of the usability dimension of technological aptitude was determined in the effect of social impact, attitude and perceived ease of use dimensions of Fintech adoption on perceived organizational performance.