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This study explores the factors influencing FinTech adoption among SMEs in Palestine, a context characterized by financial exclusion, institutional fragility, and moderate levels of digital financial service penetration. Grounded in the TAM and extended with organizational and contextual factors, the study examines the roles of perceived ease of use, perceived usefulness, financial awareness, government support, firm innovativeness, and trust. Data were collected from 114 SME owners. The results reveal that perceived ease of use significantly enhances perceived usefulness, though perceived usefulness itself does not directly influence adoption. Instead, firm innovativeness, financial awareness, government support, and trust emerge as critical determinants of FinTech adoption. Mediation analysis further shows that firm innovativeness serves as a key channel through which financial awareness and government support drive adoption.

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Exploring the Drivers of FinTech Adoption in Palestinian SMEs

  • 章节

  • 发表日期：

    2026年

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  • Mousa Ajouz,
  • Maha Shehadeh,
  • Jeries jaraiseh,
  • Dalal Zahdeh,
  • Lu’ay AL-Mu’ani

摘要

This study explores the factors influencing FinTech adoption among SMEs in Palestine, a context characterized by financial exclusion, institutional fragility, and moderate levels of digital financial service penetration. Grounded in the TAM and extended with organizational and contextual factors, the study examines the roles of perceived ease of use, perceived usefulness, financial awareness, government support, firm innovativeness, and trust. Data were collected from 114 SME owners. The results reveal that perceived ease of use significantly enhances perceived usefulness, though perceived usefulness itself does not directly influence adoption. Instead, firm innovativeness, financial awareness, government support, and trust emerge as critical determinants of FinTech adoption. Mediation analysis further shows that firm innovativeness serves as a key channel through which financial awareness and government support drive adoption.