Purpose: To explain the innovation resistance and consumer acceptance of internet-only bank services, this paper … acceptance for internet-only bank services. Design/methodology/approach: The performance expectancy, effort expectancy, social … IRM were adopted in the model.To this end, 203 online survey responses from non-users of internet-only bank services were …

, we show that fintech loans to entrepreneurs are more likely to be unsecured and short-term while bank loans are expected … to be asset-backed and long-term. The findings suggest that fintech lenders substitute data for collateral to leverage …