Modeling Behavioral and Cognitive Drivers of FinTech Adoption: Trust, Emotion and Digital Decision-Making

Dear Colleagues,

The global financial landscape is undergoing a profound transformation, driven not only by rapid technological innovation but also by how individuals cognitively, emotionally, and behaviorally engage with digital financial systems. This Special Issue aims to explore the psychological, behavioral, and cognitive mechanisms underlying FinTech adoption and resistance, with a special focus on trust, emotion, digital decision-making, and user modeling.

We welcome theoretical, empirical, and mixed-method contributions from a wide range of disciplines, including behavioral finance, psychology, information systems, HCI, and cognitive science. Topics may include (but are not limited to) the following: trust in AI-driven financial services, emotional and cognitive responses to robo-advisors, resistance to persuasive FinTech interfaces, and behavioral intention modeling in mobile banking, blockchain platforms, and crowdfunding systems.

Through this Special Issue, we aim to advance understanding of the human side of FinTech and offer actionable insights into the design, implementation, and regulation of financial technologies that align with user psychology, well-being, and trust.

We look forward to your contributions!

Dr. Stefanos Balaskas
Prof. Dr. Yannis C. Stamatiou
Prof. Dr. George S. Androulakis
Guest Editors

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