...Hendra Riofita Purpose By integrating Technology Acceptance Model ( TAM ) and Theory of Reasoned Action ( TRA ) to relate the constructs used, this study aims to identify the predictors that drive the intention of millennial and Z generation to recommend Fintech among their generation and to find...

.... Originality/value The work is among the very few bodies of empirical research to investigate the continuance intention to use mobile payments using the extended TCT by incorporating the various dimensions of perceived risk construct in the fintech sector to develop a research model for this study...