AN INTEGRATED MODEL OF FINTECH IMPLEMENTATION IN NIGERIAN MICROFINANCE COMPANIES
AN INTEGRATED MODEL OF FINTECH IMPLEMENTATION IN NIGERIAN MICROFINANCE COMPANIES

Summary/Abstract: The purpose of this study is to develop an integrated conceptual model for FinTech implementation within Nigerian microfinance companies. Existing research has identified various determinants of FinTech adoption, yet these insights remain fragmented across technological, organizational, behavioural, and regulatory perspectives. This study addresses this gap by synthesizing these dimensions into a unified framework that explains how internal capabilities and external environmental factors interact to enable effective and sustainable FinTech transformation in the Nigerian microfinance. The study adopts a conceptual research design grounded in systematic synthesis and thematic integration of existing peer-reviewed empirical and theoretical studies published between 2016 and 2025. Using an inductive analytical procedure, key constructs and interrelationships were identified, categorized, and aligned to established theories. The study reveals that effective FinTech implementation depends on the alignment of technological readiness, organizational capability, leadership commitment, customer engagement, regulatory support, and financial motivation. The proposed framework provides a structured blueprint for strategic planning and sustainable digital transformation within microfinance companies.

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