Figure 1
The conceptual path diagram shows a left-to-right structure organized under “Dual-Factor Theory” with dashed boundary sections for “Enablers” and “Inhibitors”, and labeled stages “Stimulus (S)”, “Organism (O)”, and “Response (R)” at the bottom. In the upper left dashed box labeled “Enablers”, a rounded rectangle labeled “Internal Stimulus” contains two ovals labeled “Value” and “Innovativeness”. Below it, another rounded rectangle labeled “Market Stimulus” contains an oval labeled “Economic Benefit”. From “Value”, a solid right-pointing arrow labeled “H 1 plus” leads to the oval labeled “Attitude towards Fintech”. From “Innovativeness”, a solid diagonal right-pointing arrow labeled “H 3 plus” leads to the oval labeled “Fintech Intention”. From “Economic Benefit”, a solid horizontal right-pointing arrow labeled “H 5 plus” leads to “Fintech Intention”, and a solid diagonal right-pointing arrow labeled “H 4 plus” leads to “Attitude towards Fintech”. In the lower left dashed box labeled “Inhibitors”, a rounded rectangle labeled “Policy Stimulus” contains two ovals labeled “government support constraints” and “Regulation constraints”. From “government support constraints”, a solid upward arrow labeled “H 6 minus” leads to “Economic Benefit”. From the inhibitors section, a vertical left-side path labeled “H 7 minus” connects upward toward the enablers section oval labeled “Innovativeness”. From “Regulation constraints”, a solid diagonal right-pointing arrow labeled “H 2 minus” leads to “Attitude towards Fintech”, and another solid diagonal right-pointing arrow labeled “H 8 minus” leads to “Fintech Intention”. In the center, the oval labeled “Attitude towards Fintech” represents the organism stage. From this oval, a solid diagonal right-pointing arrow labeled “H 9 plus” leads to the oval labeled “Fintech Intention” on the right, representing the response stage.Hypothesized research model