A Case Study of the Impact of Fintech Adoption on Campus Consumption Patterns among Students of Chongqing University of Science and Technology

Abstract

The rapid development of financial technology has profoundly transformed consumer behavior in China, with university students among the earliest adopters of mobile payment and digital financial services. As campuses increasingly integrate fintech infrastructure into daily life, it becomes important to understand how this shift affects students’ consumption patterns, especially within the semi-closed ecosystem of higher education.
The objectives of this study were threefold: to examine the relationship between fintech adoption prevalence and campus consumption patterns, the relationship between mobile payment frequency and campus consumption patterns, and the relationship between acceptance of digital financial services and campus consumption patterns.
This study employed a quantitative research design using a structured questionnaire as the main instrument. The survey questionnaires were distributed to undergraduate students of Chongqing University of Science and Technology through stratified random sampling to ensure representation across faculties and year levels. A total of 350 questionnaires were distributed, and 320 valid responses were analyzed. The instrument included twenty Likert-scale items measuring the independent and dependent variables as well as demographic characteristics. Data were processed using SPSS and SmartPLS, applying descriptive statistics, correlation analysis, and multiple regression to test the hypotheses.
The results indicated that all three independent variables had significant positive effects on campus consumption patterns. Among them, acceptance of digital financial services emerged as the strongest predictor, explaining the largest share of variance, followed by mobile payment frequency and fintech adoption prevalence. These findings suggested that students’ trust, perceived usefulness, and willingness to continue using digital finance were central in shaping their consumption behaviors, while frequency of use and widespread adoption also contributed meaningfully.
In conclusion, the study demonstrates that fintech is a critical factor in transforming student consumption behavior on campus. The findings imply that universities should enhance financial literacy programs, fintech providers should incorporate responsible design features, and policymakers should ensure inclusive and secure digital ecosystems to support sustainable student financial practices.

Keywords: fintech adoption prevalence, mobile payment frequency, acceptance of digital financial services, campus consumption patterns

6617195416, Lei Jia, 2568 (2025). Advisor: Dr. Zhang Li, สารนิพนธ์ (Independent Study), A Case Study of the Impact of Fintech Adoption on Campus Consumption Patterns among Students of Chongqing University of Science and Technology, นำเสนอในที่ประชุมวิชาการ (Conference), The 17th National and International Academic Conference 2024, ปริญญาโท (Master’s Degree), บัณฑิตวิทยาลัย (Graduate School), Master of Business Administration, International Business Management, Siam University, Bangkok, Thailand – มหาวิทยาลัยสยาม กรุงเทพมหานคร ประเทศไทย