Figure 1
The conceptual diagram begins with the box labeled “Perceived Ease of Use,” which is placed on the left side. An arrow labeled “H 2” leads upward from the box “Perceived Ease of Use” to the box “Perceived Usefulness,” which is located at the top center. Another arrow labeled “H 1” extends horizontally from “Perceived Ease of Use” to the box “FinTech Use,” shown on the right side. An arrow labeled “H 3” from the box “Perceived Usefulness” leads to the box “FinTech Use.” A box labeled “Service Quality” is positioned at the bottom center. An upward arrow labeled “H 5” from the box “Service Quality” leads to the top box “Perceived Usefulness.” Another two arrows labeled “H 4” and “H 6” from the box “Service Quality” lead to the boxes “Perceived Ease of Use” and “FinTech Use,” respectively. From “Service Quality,” four arrows extend downward toward the bottom row of factors: “Efficiency,” “Fulfillment,” “System Availability,” and “Privacy.”Conceptual model. Source: Authors’ own work