Understanding users’ continuance adoption of FinTechs through the lens of the behavioural reasoning theory: insights from PLS-SEM and fs-QCA

FinTech has revolutionised the delivery and consumption of financial services worldwide. Drawing inspiration from behavioural reasoning theory, this study adopts a dual-factor approach to explore the reasons for and against the continuance use of fintech. Data were collected from a survey of 510 FinTech users and analyzed using the partial least squares approach to structural equation modelling (PLS-SEM) and fuzzy-set qualitative comparative analysis (fsQCA). The PLS-SEM results indicate that ‘reasons for’ influenced attitudes and intentions towards FinTech continuance, whereas ‘reasons against’ were associated with intentions and continuance but did not affect attitudes. The value of openness to change positively influences reasons for, reasons against, and attitudes towards fintech, and attitudes, in turn, influence continuance intention and continuance usage. From the three configurations derived from the fsQCA, ‘reasons for’ and continuance intention are core conditions for achieving higher fintech continuance usage. In contrast, the absence of value and ‘reasons against’ is a core recipe for achieving lower continuance usage. This study advances the dual-factor and behavioural reasoning theories while adding to the evidence on fintech post-adoption behaviour. These results provide valuable insights for fintech solution providers and policymakers.