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The rapid development of Fintech (financial technology) urges Fintech platforms to better understand users’ perceptions and behaviors toward Fintech use. Based on the theoretical framework of trust, risk perception, platform governance, and information system continuous use theories, we construct a model to explore how users’ different trust perceptions on Fintech platforms affect their risk perception, platform governance perception, and continuance intention of using Fintech. Our findings indicate users’ institutional trust, technology trust, and interpersonal trust all impact their risk perception, perception of Fintech platform governance, and continuance intention to use Fintech in different ways and magnitudes. Furthermore, platform governance perception mediates between institutional trust, interpersonal trust, and continuance intention. Our research helps the practitioners of Fintech platforms attract and retain users in the highly competitive market and provides a reference for the governance of their platforms.

Trust in Fintech: Risk, Governance, and Continuance Intention