Descriptive and factor analysis of constructs and measurement items
| Construct | Measurement items | Mean | (SD) | Skewness | Kurtosis | Factor loading |
|---|---|---|---|---|---|---|
| FEI (FinTech Entrepreneurial Intention) | FEI FinTech Entrepreneurial Intention | 4.25 | 1.1 | 0.45 | −0.25 | 0.82 |
| FEI1 I am prepared to take any necessary steps to become a FinTech entrepreneur | 4.1 | 1.12 | 0.56 | −0.2 | 0.88 | |
| FEI2 My primary career objective is to establish myself as a FinTech entrepreneur | 4.35 | 1.05 | 0.43 | −0.3 | 0.91 | |
| FEI3 I am committed to putting in all necessary efforts to start and operate my own FinTech company | 4.2 | 1.08 | 0.5 | −0.15 | 0.85 | |
| FEI4 I am resolute in my decision to establish a FinTech business in the future | 4.05 | 1.14 | 0.4 | −0.22 | 0.8 | |
| ATF (Attitude Toward Using FinTech) | ATF Attitude Toward Using FinTech | 3.95 | 1.15 | 0.33 | −0.1 | 0.78 |
| ATF1 I believe that being a FinTech entrepreneur offers more benefits than drawbacks | 4 | 1.11 | 0.5 | −0.2 | 0.82 | |
| ATF2 Pursuing a career as a FinTech entrepreneur is appealing to me | 4.1 | 1.08 | 0.45 | −0.25 | 0.85 | |
| ATF3 If I had the necessary resources and opportunities, I would want to establish a FinTech business | 4.05 | 1.1 | 0.42 | −0.18 | 0.8 | |
| ATF4 Becoming a FinTech entrepreneur would bring me a high level of personal satisfaction | 4.2 | 1.07 | 0.38 | −0.15 | 0.87 | |
| CFD (Crowdfunding) | CFD Crowdfunding | 3.85 | 1.13 | 0.58 | −0.12 | 0.79 |
| CFD1 Crowdfunding plays a significant role in promoting and marketing entrepreneurial ventures | 3.9 | 1.12 | 0.6 | −0.15 | 0.82 | |
| CFD2 Crowdfunding enhances the efficiency of funding processes for entrepreneurs | 3.95 | 1.11 | 0.55 | −0.18 | 0.84 | |
| CFD3 Crowdfunding facilitates streamlined and efficient payment systems | 4 | 1.09 | 0.45 | −0.2 | 0.86 | |
| CFD4 Crowdfunding platforms are reliable and trustworthy for users | 3.8 | 1.14 | 0.62 | −0.25 | 0.81 | |
| MPT (Mobile Payment) | MPT Mobile Payment | 4.25 | 1.08 | 0.4 | −0.05 | 0.85 |
| MPT1 Using mobile payment systems is straightforward and user-friendly | 4.3 | 1.05 | 0.38 | −0.1 | 0.87 | |
| MPT2 Mobile payment provides me with the latest and most accurate information | 4.15 | 1.12 | 0.45 | −0.12 | 0.84 | |
| MPT3 Individuals whose opinions matter to me encourage the use of mobile payment services | 4 | 1.15 | 0.5 | −0.18 | 0.8 | |
| MPT4 Mobile payment is convenient because it is accessible at any time | 4.1 | 1.1 | 0.42 | −0.2 | 0.83 | |
| BCN (Blockchain) | BCN Blockchain Technology | 3.75 | 1.2 | 0.3 | −0.08 | 0.77 |
| BCN1 Blockchain technology fosters greater trust in financial processes | 3.85 | 1.18 | 0.32 | −0.12 | 0.8 | |
| BCN2 Blockchain technology enables quick and secure payment processes | 4 | 1.14 | 0.35 | −0.1 | 0.82 | |
| BCN3 Blockchain technology lowers the costs associated with transactions | 3.9 | 1.16 | 0.37 | −0.15 | 0.79 | |
| BCN4 Blockchain technology helps minimize risks in transactions | 3.95 | 1.15 | 0.4 | −0.12 | 0.81 | |
| FKN (FinTech Knowledge) | FKN FinTech Knowledge | 4.05 | 1.09 | 0.41 | −0.11 | 0.81 |
| FKN1 I possess adequate knowledge to effectively use mobile FinTech services | 4.1 | 1.08 | 0.44 | −0.1 | 0.84 | |
| FKN2 I am knowledgeable enough to resolve issues that may occur while using mobile FinTech services | 4 | 1.1 | 0.42 | −0.15 | 0.82 | |
| FKN3 I have sufficient understanding to successfully complete mobile FinTech transactions | 4.05 | 1.12 | 0.4 | −0.13 | 0.85 | |
| FKN4 I am well informed about how to manage challenges that may arise from using mobile FinTech services | 4 | 1.11 | 0.39 | −0.14 | 0.83 |
| Construct | Measurement items | Mean | (SD) | Skewness | Kurtosis | Factor loading |
|---|---|---|---|---|---|---|
| FEI (FinTech Entrepreneurial Intention) | FEI FinTech Entrepreneurial Intention | 4.25 | 1.1 | 0.45 | −0.25 | 0.82 |
| FEI1 I am prepared to take any necessary steps to become a FinTech entrepreneur | 4.1 | 1.12 | 0.56 | −0.2 | 0.88 | |
| FEI2 My primary career objective is to establish myself as a FinTech entrepreneur | 4.35 | 1.05 | 0.43 | −0.3 | 0.91 | |
| FEI3 I am committed to putting in all necessary efforts to start and operate my own FinTech company | 4.2 | 1.08 | 0.5 | −0.15 | 0.85 | |
| FEI4 I am resolute in my decision to establish a FinTech business in the future | 4.05 | 1.14 | 0.4 | −0.22 | 0.8 | |
| ATF (Attitude Toward Using FinTech) | ATF Attitude Toward Using FinTech | 3.95 | 1.15 | 0.33 | −0.1 | 0.78 |
| ATF1 I believe that being a FinTech entrepreneur offers more benefits than drawbacks | 4 | 1.11 | 0.5 | −0.2 | 0.82 | |
| ATF2 Pursuing a career as a FinTech entrepreneur is appealing to me | 4.1 | 1.08 | 0.45 | −0.25 | 0.85 | |
| ATF3 If I had the necessary resources and opportunities, I would want to establish a FinTech business | 4.05 | 1.1 | 0.42 | −0.18 | 0.8 | |
| ATF4 Becoming a FinTech entrepreneur would bring me a high level of personal satisfaction | 4.2 | 1.07 | 0.38 | −0.15 | 0.87 | |
| CFD (Crowdfunding) | CFD Crowdfunding | 3.85 | 1.13 | 0.58 | −0.12 | 0.79 |
| CFD1 Crowdfunding plays a significant role in promoting and marketing entrepreneurial ventures | 3.9 | 1.12 | 0.6 | −0.15 | 0.82 | |
| CFD2 Crowdfunding enhances the efficiency of funding processes for entrepreneurs | 3.95 | 1.11 | 0.55 | −0.18 | 0.84 | |
| CFD3 Crowdfunding facilitates streamlined and efficient payment systems | 4 | 1.09 | 0.45 | −0.2 | 0.86 | |
| CFD4 Crowdfunding platforms are reliable and trustworthy for users | 3.8 | 1.14 | 0.62 | −0.25 | 0.81 | |
| MPT (Mobile Payment) | MPT Mobile Payment | 4.25 | 1.08 | 0.4 | −0.05 | 0.85 |
| MPT1 Using mobile payment systems is straightforward and user-friendly | 4.3 | 1.05 | 0.38 | −0.1 | 0.87 | |
| MPT2 Mobile payment provides me with the latest and most accurate information | 4.15 | 1.12 | 0.45 | −0.12 | 0.84 | |
| MPT3 Individuals whose opinions matter to me encourage the use of mobile payment services | 4 | 1.15 | 0.5 | −0.18 | 0.8 | |
| MPT4 Mobile payment is convenient because it is accessible at any time | 4.1 | 1.1 | 0.42 | −0.2 | 0.83 | |
| BCN (Blockchain) | BCN Blockchain Technology | 3.75 | 1.2 | 0.3 | −0.08 | 0.77 |
| BCN1 Blockchain technology fosters greater trust in financial processes | 3.85 | 1.18 | 0.32 | −0.12 | 0.8 | |
| BCN2 Blockchain technology enables quick and secure payment processes | 4 | 1.14 | 0.35 | −0.1 | 0.82 | |
| BCN3 Blockchain technology lowers the costs associated with transactions | 3.9 | 1.16 | 0.37 | −0.15 | 0.79 | |
| BCN4 Blockchain technology helps minimize risks in transactions | 3.95 | 1.15 | 0.4 | −0.12 | 0.81 | |
| FKN (FinTech Knowledge) | FKN FinTech Knowledge | 4.05 | 1.09 | 0.41 | −0.11 | 0.81 |
| FKN1 I possess adequate knowledge to effectively use mobile FinTech services | 4.1 | 1.08 | 0.44 | −0.1 | 0.84 | |
| FKN2 I am knowledgeable enough to resolve issues that may occur while using mobile FinTech services | 4 | 1.1 | 0.42 | −0.15 | 0.82 | |
| FKN3 I have sufficient understanding to successfully complete mobile FinTech transactions | 4.05 | 1.12 | 0.4 | −0.13 | 0.85 | |
| FKN4 I am well informed about how to manage challenges that may arise from using mobile FinTech services | 4 | 1.11 | 0.39 | −0.14 | 0.83 |
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