Abstract
<jats:p>The rapid evolution of financial technology (FinTech) has transformed customer experiences in financial services, particularly in emerging economies like Ghana. However, understanding the complex interplay of factors influencing customers’ behavioral intention to adopt FinTech remains limited. This study adopts a configurational approach using fuzzy-set Qualitative Comparative Analysis (fsQCA) to uncover multiple pathways leading to high behavioral intention among FinTech users in Ghana. Drawing on a sample of 409 customers, the study examines eight key conditions: performance expectancy, effort expectancy, social influence, facilitating conditions, perceived trust, hedonic motivation, habit, and perceived risk. Measurement model results from PLS-SEM confirm the reliability and validity of the constructs. The fsQCA findings reveal ten distinct configurations that lead to high behavioral intention, with performance expectancy, facilitating conditions, and hedonic motivation emerging as core components in most causal combinations. Notably, no single condition was necessary for behavioral intention, underscoring the importance of equifinality—different combinations of factors can equally drive adoption. The study provides valuable theoretical and practical implications, suggesting that FinTech adoption is not driven by isolated factors but by synergistic interactions among cognitive, affective, and contextual conditions. The findings offer actionable insights for FinTech providers and policymakers in tailoring strategies that reflect the diverse motivations and contexts of Ghanaian users. This study contributes to the emerging discourse on technology adoption in developing countries by applying a nuanced, configurational lens.</jats:p>