{"id":434042,"date":"2026-08-24T17:23:54","date_gmt":"2026-08-24T09:23:54","guid":{"rendered":"https:\/\/library.usj.edu.mo\/?post_type=tnc_col_19837_item&#038;p=434042"},"modified":"2026-08-24T18:33:12","modified_gmt":"2026-08-24T10:33:12","slug":"fintech-adoption-a-study-of-users-in-the-guangdong-macao-in-depth-cooperation-zone-in-hengqin-china","status":"publish","type":"tnc_col_19837_item","link":"https:\/\/library.usj.edu.mo\/zh\/scholarly-work-usj\/fintech-adoption-a-study-of-users-in-the-guangdong-macao-in-depth-cooperation-zone-in-hengqin-china\/","title":{"rendered":"FINTECH ADOPTION: A STUDY OF USERS IN THE GUANGDONG-MACAO IN-DEPTH COOPERATION ZONE IN HENGQIN (CHINA)"},"content":{"rendered":"<p>INTENDED AS AN ECONOMIC AND DEVELOPMENT HUB, THE HENGQIN COOPERATION ZONE AIMS TO FOSTER\u00a0 COLLABORATION AND INTEGRATION BETWEEN MAINLAND CHINA, HONG KONG, AND MACAO, SERVING AS A\u00a0 PLATFORM FOR ECONOMIC DEVELOPMENT AND INNOVATION AMONG THE THREE REGIONS. THE ZONE&#8217;S\u00a0 DEVELOPMENT HAS INCREASED DEMAND FOR FINANCIAL SERVICES, OFTEN OFFERED THROUGH FINTECH. THERE IS,\u00a0 HOWEVER, A LACK OF INTEROPERABILITY BETWEEN THE FINTECH SERVICES CURRENTLY USED IN MACAO AND\u00a0 HENGQIN. THIS MAY HINDER MACAO USERS&#8217; ADOPTION OF THE TECHNOLOGY. THUS, OUR RESEARCH OBJECTIVE\u00a0 IS TO IDENTIFY THE FACTORS DETERMINING MACAO RESIDENTS&#8217; ADOPTION OF FINTECH SERVICES IN THE AREA AND\u00a0 PROVIDE INSIGHTS FOR SERVICE PROVIDERS, DEVELOPERS, AND POLICYMAKERS. A FRAMEWORK BASED ON THE\u00a0 TECHNOLOGY ACCEPTANCE MODEL (TAM) AND THEORY OF PLANNED BEHAVIOR (TPB) WAS USED FOR THIS\u00a0 PURPOSE. THE RESPONSES OF 103 MACAO RESIDENTS PROVIDED EVIDENCE THAT EASE OF USE SIGNIFICANTLY\u00a0 AND POSITIVELY IMPACTS THE USEFULNESS OF THE TECHNOLOGY. THIS IN TURN INFLUENCES ATTITUDES TOWARDS\u00a0 FINTECH USAGE. SUBJECTIVE NORMS AND PERCEIVED BEHAVIORAL CONTROL POSITIVELY IMPACT FINTECH\u00a0 ADOPTION INTENTIONS. THE FINTECH INDUSTRY AND THE GOVERNMENTS OF MACAO AND HENGQIN CAN WORK\u00a0 ON IMPROVING TECHNOLOGY&#8217;S EASE OF USE AND USEFULNESS. THEY CAN ALSO PROMOTE THEM TO MACAO USERS,\u00a0 AND PROVIDE THE RESOURCES REQUIRED FOR BETTER ACCESS TO FINTECH IN THE ZONE<\/p>","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","format":"standard","class_list":["post-434042","tnc_col_19837_item","type-tnc_col_19837_item","status-publish","format-standard","hentry","tnc_tax_19993-sdg-11-sustainable-cities-and-communities","tnc_tax_19993-sdg-13-climate-action","tnc_tax_19993-sdg-7-affordable-and-clean-energy","tnc_tax_19993-sdg-9-industry-innovation-and-infrastructure","tnc_tax_19818-english","tnc_tax_19716-faculty-of-business-and-law","tnc_tax_19659-journal-article"],"taxonomy_info":[],"featured_image_src_large":false,"author_info":[],"comment_info":0,"featured_img":false,"coauthors":[],"author_meta":{"author_link":"https:\/\/library.usj.edu.mo\/zh\/author\/emilychan\/","display_name":"emily chan"},"relative_dates":{"created":"Posted 3 \u5929 ago","modified":"Updated 3 \u5929 ago"},"absolute_dates":{"created":"Posted on 24 8 \u6708, 2026","modified":"Updated on 24 8 \u6708, 2026"},"absolute_dates_time":{"created":"Posted on 24 8 \u6708, 2026 5:23 \u4e0b\u5348","modified":"Updated on 24 8 \u6708, 2026 6:33 \u4e0b\u5348"},"featured_img_caption":"","tax_additional":{"tnc_tax_19993":{"linked":["<a href=\"https:\/\/library.usj.edu.mo\/zh\/sdgs\/sdg-11-sustainable-cities-and-communities\/\" class=\"advgb-post-tax-term\">SDG 11 Sustainable Cities and Communities<\/a>","<a href=\"https:\/\/library.usj.edu.mo\/zh\/sdgs\/sdg-13-climate-action\/\" class=\"advgb-post-tax-term\">SDG 13 Climate Action<\/a>","<a href=\"https:\/\/library.usj.edu.mo\/zh\/sdgs\/sdg-7-affordable-and-clean-energy\/\" class=\"advgb-post-tax-term\">SDG 7 Affordable and Clean Energy<\/a>","<a href=\"https:\/\/library.usj.edu.mo\/zh\/sdgs\/sdg-9-industry-innovation-and-infrastructure\/\" class=\"advgb-post-tax-term\">SDG 9 Industry Innovation and Infrastructure<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">SDG 11 Sustainable Cities and Communities<\/span>","<span class=\"advgb-post-tax-term\">SDG 13 Climate Action<\/span>","<span class=\"advgb-post-tax-term\">SDG 7 Affordable and Clean Energy<\/span>","<span class=\"advgb-post-tax-term\">SDG 9 Industry Innovation and Infrastructure<\/span>"],"slug":"tnc_tax_19993","name":"SDGs"},"tnc_tax_19818":{"linked":["<a href=\"https:\/\/library.usj.edu.mo\/zh\/language\/english\/\" class=\"advgb-post-tax-term\">ENGLISH<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">ENGLISH<\/span>"],"slug":"tnc_tax_19818","name":"LANGUAGE"},"tnc_tax_19716":{"linked":["<a href=\"https:\/\/library.usj.edu.mo\/zh\/faculty-research-unit\/faculty-of-business-and-law\/\" class=\"advgb-post-tax-term\">FACULTY OF BUSINESS AND LAW<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">FACULTY OF BUSINESS AND LAW<\/span>"],"slug":"tnc_tax_19716","name":"FACULTY \/ RESEARCH UNIT"},"tnc_tax_19664":{"linked":[],"unlinked":[],"slug":"tnc_tax_19664","name":"SUBJECT"},"tnc_tax_19659":{"linked":["<a href=\"https:\/\/library.usj.edu.mo\/zh\/resource-type\/journal-article\/\" class=\"advgb-post-tax-term\">Journal Article<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Journal Article<\/span>"],"slug":"tnc_tax_19659","name":"Document Type"}},"series_order":"","_links":{"self":[{"href":"https:\/\/library.usj.edu.mo\/zh\/wp-json\/wp\/v2\/tnc_col_19837_item\/434042","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/library.usj.edu.mo\/zh\/wp-json\/wp\/v2\/tnc_col_19837_item"}],"about":[{"href":"https:\/\/library.usj.edu.mo\/zh\/wp-json\/wp\/v2\/types\/tnc_col_19837_item"}],"replies":[{"embeddable":true,"href":"https:\/\/library.usj.edu.mo\/zh\/wp-json\/wp\/v2\/comments?post=434042"}],"version-history":[{"count":1,"href":"https:\/\/library.usj.edu.mo\/zh\/wp-json\/wp\/v2\/tnc_col_19837_item\/434042\/revisions"}],"predecessor-version":[{"id":436378,"href":"https:\/\/library.usj.edu.mo\/zh\/wp-json\/wp\/v2\/tnc_col_19837_item\/434042\/revisions\/436378"}],"wp:attachment":[{"href":"https:\/\/library.usj.edu.mo\/zh\/wp-json\/wp\/v2\/media?parent=434042"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}