| dc.description.abstract | Financial technology (known as Fintech) is one of the most prominent trends in the global industrial revolution 4.0. It refers to innovative technology that aims to enhance and automate the delivery and usage of financial services. As a result of the effects of the covid 19 epidemic, particularly the social distancing policy and the demand for digital connectedness, the formation of fintech firms providing various types of services has expanded rapidly (Feyen et al., 2021). This financial industry innovation provides numerous positive effects, but it also contains considerable risks for customers, suppliers, and intermediaries, especially cyber security risks. Based on prior research subjects such as perceived risk variables influencing intention to use Fintech (Tang et al., 2020) and the connection between risk perception and preventative behavior (Alqahtani et al., 2021; van Schaik et al., 2017), this study will focus on two main goals. The first objective is to discover and recognize factors that influence consumers' perceptions of possible hazards when using fintech. Then, we will examine the effect of risk perception on consumer precautionary behavior regarding information security. Therefore, investors and founders of Fintech software may better understand their customers' requirements and develop more security solutions. The findings indicate that knowledge, affect, and trust are the primary determinants influencing the risk perception of Fintech consumers in Vietnam and Norway. Nevertheless, there exists a disparity in the level of their impact when contrasting the two nations. Furthermore, it was observed that risk perception served as a predictor of Fintech users’ precautionary behavior. The research model's reliability and validity are ensured through the utilization of SmartPLS software for the analysis of survey data. | |
