Beyond universal models a dual-pathway conceptual framework for fintech adoption in multi-ethnic emerging economies

Standard theories on Financial Technology (Fintech) adoption assume a single decision-making process and overlook deep institutional factors present in diverse economies. This paper introduces a dual-pathway conceptual framework derived from studies of Malaysian Micro, Small, and Medium Enterprises...

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Bibliographic Details

Main Authors:	Faiz, Azizul, Fernando, Yudi, Faris, Azizul
Format:	Article
Language:	en
Published:	HBZ & Partners PLT 2025
Subjects:	H Social Sciences (General) HJ Public Finance
Online Access:	https://umpir.ump.edu.my/id/eprint/45735/1/Beyond%20universal%20models%20a%20dual-pathway%20conceptual%20framework%20for%20fintech%20adoption.pdf https://doi.org/10.59021/ijebt.v2i1.14 https://umpir.ump.edu.my/id/eprint/45735/
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