The Role of Financial Technology (Fintech) In Shaping Consumer Behavior In Palestinian Banks: A Review of Mediating and Moderating Factors

Abstract

This article focuses on how financial technology (FinTech) has transformed the decision-making behaviour of Palestinian banks and how technological, organizational, and behavioural issues influence it. The study uses a narrative literature review of 62 peer-reviewed sources and combines both the Technology-Organization-Environment (TOE) framework and the Unified Theory of Acceptance and Use of Technology (UTAUT) to consider the effects of key mediating variables perceived usefulness, trust, usability, and behavioral intention, as well as moderating variables in the regulatory environment, readiness, and digital infrastructure. The results suggest that besides its enormous potential in terms of decision speed, accuracy, and transparency, FinTech and similar have limited use without contextual preparedness, trust in the system, and friendly regulations. Obstacles such as digital illiteracy, infrastructural inequality, and legislative obscure complete acceptance. In the paper, a conceptual framework is proposed between integration of FinTech and outcomes of decision making, and strategic and policy suggestions have been provided on improving adoption in emergent economies. Through the study, a research gap addressing the behavioral nature of the adoption of FinTech is filled theoretically and offers valuable practical suggestions to bank executives and policy officials.