Enhancing value-in-use in the FinTech innovation context

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.