Borbála Tamás

57901393000

Publications - 5

Factors and Variables Shaping Generation Z’s Adoption of FinTech

Tamás Vinkóczi Borbála Tamás Attila Kurucz Ewelina Idziak

Publication Name: Alternative Finance A Framework for Innovative and Sustainable Business Models

Publication Date: 2024-01-01

Volume: Unknown

Issue: Unknown

Page Range: 75-89

Description:

The digital age continues to redefine conventional financial paradigms, and Generation Z is at the forefront, navigating and influencing the trajectory of financial technology (FinTech) applications through their distinct attitudes, behaviors, and expectations. Gen Z is the new archetype and the new behavioral model. The behavioral intention to use FinTech services among Gen Z, explained by the inclusion of factors and in this way being an extension of financial theory, is the hot topic as this is still the beginning of learning the: Facilitating Conditions Intention (FCI), Attitude (A), Behavioral Intention (BI) that define the choices made by Gen Z. In a broader perspective, it is important to point out the main trends among Gen Z toward FinTech services and the conclusions of current research on them. These aspects make it particularly relevant to study the use of FinTech services, which can be done very effectively with social science analysis through structural models. The research presented in this chapter is both descriptive and exploratory, as it presents a theoretical framework that builds on previous research and includes contemporary perspectives based on new research findings.

Open Access: Yes

DOI: 10.4324/9781032713533-8

Assessing and evaluating potential systems resilience

Peter Foldesi Eszter Sós Borbála Tamás

Publication Name: 2024 IEEE 15th International Conference on Cognitive Infocommunications Coginfocom 2024

Publication Date: 2024-01-01

Volume: Unknown

Issue: Unknown

Page Range: 43-50

Description:

The hierarchy of semantic networks can also be observed in the functioning of economic systems. There are uncertainties in semantic networks, meaning that the classification of different attributes is not always clear. The same uncertainty is also present, for example, in the design of logistics strategies as a sub-strategy of the economy, which can lead to inconsistencies between the parameters of the system. It is important for a system to be resilient to both internal and external influences, and it is, therefore, necessary to develop a hierarchy of system parameters based on the semantic network's method and to examine the relationship between parameters in order to achieve resilience and long-term sustainability.

Open Access: Yes

DOI: 10.1109/CogInfoCom63007.2024.10894735

Tech titans: Generation Z’s role in the FinTech evolution

Tamás Vinkóczi Borbála Tamás Attila Kurucz Ewelina Idziak

Publication Name: Journal of Infrastructure Policy and Development

Publication Date: 2024-01-01

Volume: 8

Issue: 10

Page Range: Unknown

Description:

The accessibility of FinTech services is increasing, and their convenience is making them more popular than traditional banks, particularly among Generation Z. The objective of this research is to identify and compare the factors influencing the conscious use of FinTech services among Generation Z members, who are the most active participants in this field of financial technology. The questionnaire based purposive sample consisted of Generation Z students who demonstrated adequate financial literacy and utilized FinTech, and who were learning in a university environment in Hungary and Romania. A sample of 600 respondents was selected for analysis after cleaning the data online. The methodological approach entailed the utilization of covariance-based structural equation modeling (CB-SEM). The results indicate that social influence (β = 0.18), consumer attitude (β = 0.53) and facilitating conditions intention (β = 0.11) all have a significant effect on the behavior intention, explaining 49% of the variance. In the context of performance expectation, the effect of facilitating conditions intention is not significant (p = 0.491). The motivation of Generation Z towards fintech solutions is evident in their preference for speed and ease of use. However, in order to reinforce consumer expectations and transfer the necessary experience and attitudes, it may be beneficial for service providers to adopt a partially different strategy in different countries. Generation Z can thus serve as a crucial reference point for the even more discerning expectations of subsequent generations. The findings may inform the formulation of strategies for fintech service providers to better understand customer behavior.

Open Access: Yes

DOI: 10.24294/jipd.v8i10.8201

Unveiling the Future of FinTech: Exploring the Behavioral Intentions Behind FinTech Adoption

Tamás Vinkóczi Borbála Tamás Attila Kurucz Ewelina Idziak

Publication Name: Journal of Risk and Financial Management

Publication Date: 2025-10-01

Volume: 18

Issue: 10

Page Range: Unknown

Description:

In addition to the technological aspects of FinTech solutions, it is important to consider user willingness, particularly among the digitally savvy Generation Z. We conducted a survey in Hungary and Poland to gather information on young people’s use of FinTech applications and their attitudes towards FinTech services. In our research, we built on the already known technology adoption model (UTAUT) and combined it with an attitudinal study. To determine the factors that influence the propensity to use these services, we developed a hypothetical model and tested it with the results of the first round of the survey (n = 117). CB-SEM was used to investigate the relationship between attitudes, social influence, and intention to use behavior. The paper presents the significant relationship characteristics, model structure, and potential business applications of the results.

Open Access: Yes

DOI: 10.3390/jrfm18100546

Determinants of FinTech Adoption Among Gen Z Females: A Study in Hungary

Tamás Vinkóczi Borbála Tamás Attila Kurucz Ewelina Idziak

Publication Name: Ecocycles

Publication Date: 2025-12-15

Volume: 11

Issue: 2

Page Range: 43-50

Description:

FinTech banking solutions offer a valuable set of technological tools that can be used to improve sustainability. Therefore, consumer acceptance and applicability of FinTech solutions is an important issue, especially among Generation Z, as this age group represents a relevant segment of future consumers. According to studies, men have a more positive attitude towards technology adoption than women. It is important to understand the mindset of women in this context, and this paper focuses on them to analyse the key determinants of FinTech service usage. Therefore, the objective of this analysis is to examine the attitudes of Generation Z women in Hungary by assessing the factors that influence their use of FinTech services. The novelty of the analysis lies in the selected population, as women are less likely than their male counterparts to have digital skills in a professional capacity. This may be reflected in their openness to financial technology solutions. The analysis is based on a questionnaire due to its sociological dimension, with a prospective sample of university students from Győr. The methodology is based on factor analysis, which is capable of distinguishing the factors that influence the use of FinTech services based on a statistical analysis of variables (Likert scale). The results show that there are several factors influencing women's FinTech usage habits, which service providers should pay attention to. The findings of the current study can help FinTech companies shape their marketing and service strategies to improve their ability to reach and retain potential and existing female customers.

Open Access: Yes

DOI: 10.19040/ecocycles.v11i2.486