Abstract
This study compares the perceptions of FinTech services among rural and urban residents in Poland. It draws on data from a CAWI survey conducted in 2020 (N=1,153) and uses chi-squared tests, the Fisher-Freeman-Halton test, and post-hoc comparisons. The results indicate that while general attitudes towards FinTech do not differ significantly between rural and urban residents, rural respondents without prior FinTech experience are less likely to consider security and offer attractiveness as key decision factors than residents of small cities. Conversely, device ownership and social influence were less relevant for rural residents than those in mid-sized cities. No significant differences in service evaluation were observed among experienced FinTech users. These findings suggest that perceived differences primarily concern the decision-making stage, not actual use. The results may support the adaptation of FinTech development strategies to the needs of different social groups, thereby enhancing financial inclusion.
Paper Type
Short Paper
DOI
10.62036/ISD.2025.110
Perception of FinTech Products and Services Among Rural and Urban Residents
This study compares the perceptions of FinTech services among rural and urban residents in Poland. It draws on data from a CAWI survey conducted in 2020 (N=1,153) and uses chi-squared tests, the Fisher-Freeman-Halton test, and post-hoc comparisons. The results indicate that while general attitudes towards FinTech do not differ significantly between rural and urban residents, rural respondents without prior FinTech experience are less likely to consider security and offer attractiveness as key decision factors than residents of small cities. Conversely, device ownership and social influence were less relevant for rural residents than those in mid-sized cities. No significant differences in service evaluation were observed among experienced FinTech users. These findings suggest that perceived differences primarily concern the decision-making stage, not actual use. The results may support the adaptation of FinTech development strategies to the needs of different social groups, thereby enhancing financial inclusion.
Recommended Citation
Krupa, D. (2025). Perception of FinTech Products and Services Among Rural and Urban ResidentsIn I. Luković, S. Bjeladinović, B. Delibašić, D. Barać, N. Iivari, E. Insfran, M. Lang, H. Linger, & C. Schneider (Eds.), Empowering the Interdisciplinary Role of ISD in Addressing Contemporary Issues in Digital Transformation: How Data Science and Generative AI Contributes to ISD (ISD2025 Proceedings). Belgrade, Serbia: University of Gdańsk, Department of Business Informatics & University of Belgrade, Faculty of Organizational Sciences. ISBN: 978-83-972632-1-5. https://doi.org/10.62036/ISD.2025.110