Impact of digital culture and technological maturity on Fintech adoption : a case study of CPA Bank

Abstract

This study investigates the impact of digital culture and technological maturity on the adoption of

FinTech services, with CPA Bank Algeria as the primary case study. Drawing on the UTAUT framework, a mixed-methods design was adopted, combining a quantitative questionnaire administered to 204 banking clients and two semi-structured interviews with bank employees, analyzed using SPSS, SmartPLS, and NVivo. The results confirm that user technological maturity and perceived platform technological maturity are significant direct drivers of FinTech adoption, while digital culture exerts its influence indirectly through full mediation via platform maturity perception. The study contributes an original ten-criteria grid, developed by the author, for assessing platform technological maturity and provides contextualised insights into FinTech adoption dynamics in the banking environment of North African countries.