The purpose of this paper is to analyse customer experience (CX) in the fintech sector. Fintech is a dynamic and innovative field that fully benefits from advances in information and communication technology. The concept of customer experience is multidimensional, analysed from various perspectives, and with distinct valences in different industries. Based on the stimulus-organism-response (S-O-R) approach, we proposed a model in which customer experience in fintech is the result of customer’s evaluation of the stimuli proposed by fintech companies. Using partial least squares equation modelling (PLS-SEM), we tested a series of hypotheses and validated the proposed model. The results showed that perceived value, customer support, assurance, speed and perceived firm innovativeness are positively related to customer experience in fintech. In turn, customer experience is positively associated with loyalty intentions of the customer. Our paper contributes in identifying the dimensions, the determinants and the outcomes of customer experience in fintech, while from a managerial perspective, we demonstrate how fintech companies must integrate customer experience in their business models.
Promoting the principles of circular economy and the new business models advocated by the circular economy can represent a solution for a more prosperous society, less dependent on primary and energy resources and more environmentally friendly. The sharing economy, which primarily involves the transformation of traditional market behaviors into collaborative consumption models, that ensure a more efficient and sustainable use of resources, is part of the circular economy and has generated business models that are compatible with it. This article discusses the possibility for the sharing economy to bring about profound changes in consumer behavior towards products and services and to highlight the factors that drive consumers' shift towards the sharing economy. For this purpose we developed and tested a model in which the change in consumer mindset has as the main direct determinants the satisfaction with the services of the sharing economy and the intention to access such products and services. The study uses data collected through a questionnaire, applied to a sample of 320 customers of Ubera symbol of the sharing economy, and processed using structural equation modelling. Research results show that there are premises for switching to an access-based consumption model.
Purpose Drawing on signaling theory, this paper aims to argue in favor of a “placebo outsourcing effect” (POE) consisting of a positive relationship between provider’s bluffing and customer satisfaction. Design/methodology/approach The authors applied prediction-oriented segmentation SEM on a dyadic sample of 171 outsourcing relationships. Findings The authors highlighted two segments that display a form of POE, representing about three-quarters of the customer-provider dyads. The first segment exhibits a positive relationship between the provider’s bluffing and customer satisfaction that is further strengthened by the provider’s reputation and customer’s operational capabilities, while for the other segment, the provider’s bluffing has positive interactions with both operational capabilities and outsourcing experience. These findings show that service providers have reached the bluffing proficiency that enables them to bluff customer firms with varying levels of operational capabilities and outsourcing experience by using the most appealing signals for every type of customer. Practical implications Based on the findings, the authors provided to customer firms extensive guidelines to avoid the POE by frustrating service provider’s bluffing proficiency. Originality/value This study’s originality resides in the amendment of the disconfirmation paradigm of satisfaction in the outsourcing context by introducing and testing the POE.
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