Anitha Ravikumar Senior Lecturer, College of Economics and Business Administration, University of Technology and Applied Sciences, Muscat, Oman., Oman
Adnan Khalfan Saif Al-Kemyani Students, College of Economics and Business Administration, University of Technology and Applied Sciences, Muscat, Oman., Oman
Shaikha Nasser Ali Al-Farsi Students, College of Economics and Business Administration, University of Technology and Applied Sciences, Muscat, Oman, Oman
Al-Anoud Saud Ahmed Al Busaidi Students, College of Economics and Business Administration, University of Technology and Applied Sciences, Muscat, Oman, Oman
Mariya Saleh Ahmed Al-Busaidi Students, College of Economics and Business Administration, University of Technology and Applied Sciences, Muscat, Oman., Oman
Address for correspondence: Anitha Ravikumar, Senior Lecturer, College of Economics and Business Administration, University of Technology and Applied Sciences, Muscat, Oman., Oman E-mail: anitharaveekumar@gmail.com
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Ravikumar A, Al-Kemyani AKS, et al. Determinants of FinTech adoption: an analysis of perceptual and behavioural influences among entrepreneurs in Muscat, Oman. J Soc Welfare Manag. 2025;17(3):137-46.
Timeline
Received : July 01, 2025
Accepted : December 18, 2025
Published : December 30, 2025
Abstract
The way business’s function has been dramatically altered by entrepreneurs’ use of FinTech. For instance, digital payment systems make transactions quicker and safer, lowering the need for currency and enhancing the client experience. The study aims to give policymakers, FinTech companies, and entrepreneurs practical insights by examining the functions of perceived utility, ease of use, value, service quality, regulatory support, and reputation. In the end, the research hopes to help Oman build a strong digital financial ecosystem that would allow business owners to fully use FinTech products. The study concludes that a comprehensive method tackling usefulness, value, service quality, regulatory support, and reputation is indispensable for promoting the adoption of FinTech solutions. These findings provide actionable comprehensions for FinTech developers, policymakers, and entrepreneurs targeting to influence FinTech for improved business development and innovation.
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Data Sharing Statement
There are no additional data available. All raw data and code are available upon request.
Funding
This research received no funding.
Author Contributions
Whether all authors contributed significantly to the work and approve its publication.
Ethics Declaration
This article does not involve any human or animal subjects, and therefore does not require ethics approval.
Acknowledgements
We would like to express our gratitude to the patients, their families, and all those who have contributed to this study.
Conflicts of Interest
The authors report no conflicts of interest in this work.
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Cite this article
Ravikumar A, Al-Kemyani AKS, et al. Determinants of FinTech adoption: an analysis of perceptual and behavioural influences among entrepreneurs in Muscat, Oman. J Soc Welfare Manag. 2025;17(3):137-46.
This license enables reusers to distribute, remix, adapt, and build upon the material in any medium or format for noncommercial purposes only, and only so long as attribution is given to the creator.
This license enables reusers to distribute, remix, adapt, and build upon the material in any medium or format for noncommercial purposes only, and only so long as attribution is given to the creator.