Abstract:
In this study, we measured the impact ofFinTech in influencing the adoption intention of using mobile
financial services during the COVID19 pandemic in Pakistan. The study is conducted to know the
intension of people and their inclination towards using mobile financial service (MFS) during the global
crisis situation. Basically, it is the measurement offactors affecting decision making pattern ofusers of
MFS platform, as well as the factors which hinders them using Deductive approach was chosen as the
research methodology for this study since it enables quantitative concept assessment as well as some
generalization ofresearch findings. The study has selected has selected users ofMFS platform in Pakistan
specially the residents ofKarachi as its sample population for data collection. The current study has
collected 300 responses from Users ofMFS platform. For analysis, the SMART PLS software was being
used. The results revealed that performance expectancy, effort expectancy has a positive influence on
perceived value specially during the pandemic, as the usefulness ofthe platform may be more apparent to
users ifMFS platforms are integrated. Also, the findings demonstrated that perceived risk has a negative
relationship with perceived value ofthe users indicating unpredictable nature ofthe MFS platform. On the
other hand, the results revealed that perceived risk has no relationship with adoption intension of useis of
MFS platform. Further, the findings revealed that perceived value, perceived trust and social influence
has a positive impact on the users ofMFS platform due the lockdown, social pressure and need ofthe
time during the period ofCOVID-19 lockdown.
