The aim of this study is to develop a FinTech adoption scale since no valid and reliable specific FinTech adoption scale is available in the literature. The research sample was 406 individual financial service users over 18. The construct validity of the scale was examined by EFA and CFA. The EFA results discovered a five-dimensional (perceived utility, trust, perceived ease of use, attitude towards FinTech, and social impact) structure. The CFA results also confirmed the results of EFA. In reliability analysis, the Cronbach's Alpha coefficients and, composite reliability measures were quite high and above the limit of 0.70. This study pioneers the literature as proposing a guiding robust scale to measure individuals' fintech adoption. The findings offer important implications for policymakers as policymakers may use this tool to create targeted policies that will improve financial inclusion and innovation while preserving the stability of global financial ecosystems.

中文翻译：

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制定金融技术 (FinTech) 采用量表：有效性和可靠性研究

本研究的目的是制定一个金融科技采用量表，因为文献中没有有效且可靠的具体金融科技采用量表。研究样本为 406 名 18 岁以上的个人金融服务用户。该量表的结构效度由 EFA 和 CFA 进行了检验。 EFA 结果发现了一个五维（感知效用、信任、感知易用性、对金融科技的态度和社会影响）结构。 CFA的结果也证实了EFA的结果。在可靠性分析中，Cronbach's Alpha 系数和综合可靠性指标相当高，高于 0.70 的极限。这项研究开创了文献先河，提出了衡量个人金融科技采用情况的指导性稳健量表。研究结果对政策制定者具有重要意义，因为政策制定者可以利用这一工具制定有针对性的政策，以改善金融包容性和创新，同时维护全球金融生态系统的稳定性。