Enhancing value‐in‐use in the FinTech innovation context

Abstract

The contribution of this study is its investigation of the engine driving consumer value‐in‐use through a resource—integration capability—value framework from the perspective of a resource‐based view and a capability‐based view. We analyze how business resources and consumer resources influence individual and collective value‐in‐use via the causal mechanisms of resource integration capability and relationship integration capability. The study surveys 511 respondents in the greater Taipei area and employs a structural equation model to examine eight hypotheses. The results show that the main causal path was that consumer resources had a positive impact on relationship integration capability. Relationship integration capability showed a primarily positive impact on collective value‐in‐use.