Ewelina Idziak

58845015000

Publications - 8

Factors and Variables Shaping Generation Z’s Adoption of FinTech

Vinkóczi Tamás 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

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

Vinkóczi Tamás 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

Vinkóczi Tamás 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

Preface I

Vikas Sharma Attila Kurucz Ewelina Idziak Vikas Sharma José Braga de Vasconcelos

Publication Name: World Sustainability Series

Publication Date: 2026-01-01

Volume: Part F1269

Issue: Unknown

Page Range: vii

Description:

No description provided

Open Access: Yes

DOI: DOI not available

Preface II

Vikas Sharma Attila Kurucz Ewelina Idziak Vikas Sharma José Braga de Vasconcelos

Publication Name: World Sustainability Series

Publication Date: 2026-01-01

Volume: Part F1269

Issue: Unknown

Page Range: ix

Description:

No description provided

Open Access: Yes

DOI: DOI not available

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

Vinkóczi Tamás 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

Preface

Marcel C. Minutolo Vikas Sharma Attila Kurucz Ewelina Idziak

Publication Name: World Sustainability Series

Publication Date: 2026-01-01

Volume: Part F1959

Issue: Unknown

Page Range: vii

Description:

No description provided

Open Access: Yes

DOI: DOI not available

ESSENTIAL SOFT SKILLS FOR SERVICE PROVIDERS IN TOURISM: A SYSTEMATIC LITERATURE REVIEW

Eva Happ Ewelina Idziak Veronika Večeřová Eliza Raffai

Publication Name: Geojournal of Tourism and Geosites

Publication Date: 2026-01-01

Volume: 66

Issue: Unknown

Page Range: 1500-1508

Description:

The role of soft skills in tourism remains an underexplored area, yet it holds both scientific and practical significance. As tourists’ expectations evolve, traditional technical competencies may no longer suffice. Soft skills are increasingly essential for tourism professionals, enabling them to understand and respond effectively to shifting consumer behaviours, thereby enhancing customer satisfaction and contributing to the success of tourism service providers. This research aims to explore the conceptual foundations and growing relevance of soft skills, particularly within the context of the business and tourism sectors. Employing a systematic literature review (SLR), this study critically analyses, synthesises, and evaluates academic sources on essential soft skills for the employees of service providers in tourism. Academic articles published in English between 2001 and 2024 in Scopus were analyzed, and key themes were extracted to provide an over view of emerging trends and research gaps. The findings include a comprehensive synthesis of relevant literature and a clarificati on of key concepts such as skills, soft skills, and their application in tourism and furthermore, reinforces that soft skills are no longer complementary, but critical strategic assets for the tourism sector. The review highlights the increasing emphasis on soft skills as a strategic asset in tourism service delivery. The SLR has successfully contextualised and defined key terms, supporting the advancement of knowledge in this area. The findings reveal a persistent gap between tourism, education and employer expectations and needs. Addressing the existing challenges is critical for developing both academic understanding and industry practice. By establishing a theoretical background for the concepts of skills and soft skills, especially in tourism, this study provides a basis for future empirical research. The results underscore the importance of the systematic integration of soft skills into tourism education, workforce development, and policy frameworks to enhance service quality and sectoral resilience, thus supporting a more competitive, and future-oriented tourism industry.

Open Access: Yes

DOI: 10.30892/gtg.662spl22-1783