Acceptance model of new financial and banking technologies

Aim and Introduction: The world economy has experienced a huge transformation during the last three decades, partly due to the advancement of information and communication technology. In particular, during the last two decades, the banking industry has invested significant resources in the use of information technologies. In response to privatization, the growth of global networks and the increase in income levels, the banking industry has used new technologies based on the provision of services, which is called electronic banking, and its purpose is to achieve and maintain strategic advantages. Electronic banking includes systems that enable financial institutions, customers, individuals or businesses to access accounts, transact business or obtain information about financial products and services from public or private electronic networks, including benefit from the Internet.. In this situation, with the emergence and development of Internet technologies, companies and banks are adopting e-commerce technologies to increase productivity and quality, reduce operational costs, and respond faster to the needs of customers and business partners. As a result, the adoption and efficient use of e-commerce technologies has become the main concern of managers .Methodology: Financial technology (Fintech) or in simpler terms the innovative use of technology in providing financial services is one of the most important innovations of the financial industry that tries to bring innovation to the field of financial services by using modern technology and this is due Sharing economy is the desirable behavioral rules of information. With the presence of the new generation of customers and their changing taste in using financial services, Fintech promises to transform the financial industry of the 20th century by eliminating additional costs, increasing the quality of financial services and drawing diverse and sustainable perspectives. pay one The development of information technology and infrastructures, big data analysis, and mobile devices have led to the disintermediation of traditional financial companies by fintech startups, which is due to personalization, individualization, and positioning. Financial services are provided by fintechs. Fintech startups have distinguished themselves from traditional financial institutions by personalizing services and services, solutions derived from data, innovative culture and agility in providing customer service, lower rates and f