2.4. Electronic Word of Mouth
Electronic word of mouth (eWOM) communication can be viewed as a positive or
negative statement about a product or company or new technologies through the Internet
that is available to a group of people and institutions through the mobile Internet and
device [26]. Consumers can use online discussion and forums, social networking sites,
and consumer review sites to communicate and exchange information about a particular
product or service through eWOM [27]. eWOM has the potential to influence the uptake of
online banking services. Several scholars found that IT adoption can be influenced directly
and indirectly by eWOM through influencing attitudes [28–30], as well as buying intention
(e.g., Bebber et al. [28] and Vahdati and Nejad [31]). Further, when consumers find the
information beneficial in the context of making a purchasing decision, they are expected to
embrace eWOM.
Perceived usefulness, ease of use, attitude toward behavior are associated with
eWOM [32]. Forcedly, these factors can drive IT adoption through behavioral intention and
purchasing behavior. According to Luarn and Lin [33], several researchers have tested and
validated the adoption of FinTech services, such as Leiva et al. [34] and Sharma et al. [35].
Moreover, various factors linked to IT adoption have been studied, such as trust (e.g., Cabanillas et al. [36]) and perceived costs (e.g., Bhatiasevi [37]). Consequently, an integrated
model, including eWOM, highly cited IT adoption TAM, and other related concepts, is
suitable as a theoretical foundation. In our framework, consumers perceive eWOM to
be useful when the information received leads to the acceptance or rejection of FinTech
services. According to the previous literature review, we hypothesize the following:
Hypothesis 4a (H4a). eWOM moderates the relationship between perceived usefulness and
Jordanian citizens’ decisions to use FinTech services.

### Language ###
English

### Assessment ###
We could ask about the specific communication channels through which electronic word of mouth occurs.

### Query ###
Where can consumers share online reviews and feedback about products?
Where can consumers share online reviews and feedback about products?