Trust in Traditional Finance and Consumer Fintech Adoption
通过实验室实验、投资网站实验和荷兰家庭调查，研究对传统金融的信任如何影响消费者采纳加密货币、P2P借贷、众筹、智能投顾和替代支付等金融科技产品，发现信任并非主要驱动因素。
Abstract We study the role of trust in traditional finance in the consumer adoption of various fintech products, including cryptocurrencies, peer-to-peer lending, other crowdfunding, roboadvisors, and alternative payment solutions. Using an online lab experiment, an experiment on an investment website, and a representative survey of Dutch households, we find no consistent evidence that trust in banks affects fintech adoption in any of the product categories, although we find weak evidence suggesting that trust in banks positively affects interest in alternative payment apps. Our results do not support the narrative that trust in traditional finance is a major driver of fintech adoption.