FINANCIAL TECHNOLOGY AND USERS’ SATISFACTION
Abstract
The purpose of this study was to examine financial technology and users’ satisfaction with selected Deposit Money Banks in Cross River State. Specifically, it aimed to investigate the impact of mobile banking on users’ satisfaction, analyze the effect of peer-to-peer lending on users’ satisfaction, and evaluate the influence of fintech Chatbot AI on users’ satisfaction in Cross River State. The study used primary data and employed multiple regression analysis. Results showed that mobile banking had a significant impact on users’ satisfaction, peer-to-peer lending also significantly affected users’ satisfaction, and fintech Chatbot AI had a notable influence as well. The study recommended that mobile banking, a form of mobile commerce, allows customers to bank virtually at any convenient time and place. Accordingly, bank management should ensure a reliable network to enable customers to access their accounts via mobile phones or similar devices. Furthermore, banks should develop effective online platforms to connect borrowers and lenders