Beyond Workplace Boundaries: A Systematic Review of Fintech Adoption Determinants in the Digital Era

Abstract

The adoption of Fintech among workers was conducted a systematic review of 301 scientific articles published from 2002 to 2025. In this study, the authors used the PRISMA delineation method to identify adoption trends, noting a significant increase in publications from 2019 (19) to 2024 (85). The analysis shows that the Theory of Reasoned Action appears to be the most common in 248 articles, indicating a reliance on traditional frameworks. The main descriptive gap consists of 234 quantitative approaches and 65 qualitative approaches. On the other hand, Asia-based affiliations (22) have a much larger share than Europe-based affiliations (11). This study contributes to the knowledge base by: (1) providing evidence for the development of an integrative framework from the individual, organizational, and regulatory levels; (2) evidence of methodological gaps that result in the use of mixed methods; and (3) a rich comparison of contextual factors related to fintech integration. This calls for the application of a multidisciplinary approach to enhance fintech integration among employees.