The Influence of FinTech Knowledge on Entrepreneurial Intentions among polytechnic student: Exploring the Role of Financial Technology in Shaping Future Innovators

Abstract

This study investigates the impact of FinTech knowledge on students' attitudes toward FinTech entrepreneurship and their subsequent entrepreneurial intentions within the FinTech sector. By integrating crowdfunding, mobile payments, and blockchain into a comprehensive framework, this research examines the interplay between these key FinTech domains and entrepreneurial behaviours. Employing Partial Least Squares Structural Equation Modelling (PLS-SEM), the study validates the relationships among FinTech knowledge, entrepreneurial attitudes, and intentions, revealing a positive influence of technological knowledge and accessibility on entrepreneurial attitudes, which, in turn, predict entrepreneurial intentions. The findings of this study have significant practical implications for stakeholders within the FinTech domain, including polytechnics, policymakers, educators, and industry players. The study suggests the design and implementation of targeted initiatives to enhance FinTech knowledge and accessibility and the development of user-friendly tools and solutions to support aspiring entrepreneurs. Furthermore, the study highlights the importance of promoting crowdfunding and blockchain as key enablers of entrepreneurial activity. While this study provides valuable insights into the dynamics of FinTech entrepreneurship, it acknowledges several limitations, including its cross-sectional design, reliance on self-reported data, and focus on students within the FinTech context. Future research endeavours could build upon this study by adopting longitudinal designs, incorporating objective measures, and expanding the scope to diverse cultural and economic settings, thereby further enriching our understanding of FinTech entrepreneurship.