Investigating the Effects of Trust, Service Quality, and Perceived Security on Using Fintechs and Analyzing the Mediating Role of Digital Financial Literacy Moderated by Perceived Regulatory Support in the Effects of Using Fintechs on Financial Inclusion

Authors

  • Mohammadreza Zaredoost, Mohammadreza Bahramzadeh

Keywords:

: trust, service quality, perceived security, fintechs, perceived regulatory support.

Abstract

This study aimed to examine the effects of trust, service quality, and perceived security on using fintechs and analyze the mediating role of digital financial literacy moderated by perceived regulatory support in the effect of using fintechs on financial inclusion. Methodologically, this study fell under descriptive and survey research and had an applied goal, as the sampling procedure was non-random convenience. The statistical population consisted of Blue Bank fintech users in 2024. The statistical sample volume was determined to be 384 people based on the Morgan Table. The study tool was Basid Amnas et al.’s questionnaire (2023). The validity and reliability of the questionnaire were confirmed using Cronbach’s alpha test, convergent and divergent validity, and composite reliability. 

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Published

2025-02-16

How to Cite

Mohammadreza Zaredoost, Mohammadreza Bahramzadeh. (2025). Investigating the Effects of Trust, Service Quality, and Perceived Security on Using Fintechs and Analyzing the Mediating Role of Digital Financial Literacy Moderated by Perceived Regulatory Support in the Effects of Using Fintechs on Financial Inclusion. Pegem Journal of Education and Instruction, 15(2), 236–255. Retrieved from https://www.pegegog.net/index.php/pegegog/article/view/4282

Issue

Vol. 15 No. 2 (2025): PEGEGOG

Section

Article

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