Financial technology (FinTech) is currently rising due to its essential impact on the economy. The availability of FinTech provides an easier way for consumers to access various financial products through digitalised platforms. Unfortunately, the rate of FinTech adoption in the market is still scant due to various risks and the market perception towards its products. This article aims to develop a systematic literature review on the FinTech product adoptions during the last decades. The article provides a review of various theoretical frameworks used by previous research. As a result, this study outlines the factors that enhance FinTech adoption from the adopters’ (consumers) and innovators’ (firms) standpoint. The article also offers a new theoretical framework to enhance market adoption by highlighting firms’ internal and external focus together with consumers’ internal and external factors. This study highlights the importance of communications between firms and consumers in order for the firms to match their focus with consumers’ factors to enhance the FinTech adoption.

金融科技 (FinTech) 由于其对经济的重要影响，目前正在崛起。金融科技的出现为消费者通过数字化平台获取各种金融产品提供了一种更简单的方式。不幸的是，由于各种风险和市场对其产品的看法，金融科技在市场上的采用率仍然很低。本文旨在对过去几十年中金融科技产品的采用情况进行系统的文献综述。本文回顾了以往研究中使用的各种理论框架。因此，本研究从采用者（消费者）和创新者（公司）的角度概述了促进金融科技采用的因素。本文还提供了一个新的理论框架，通过强调公司的内部和外部关注以及消费者的内部和外部因素来提高市场采用率。本研究强调了企业与消费者之间沟通的重要性，以便企业将关注点与消费者因素相匹配，从而提高金融科技的采用率。