This research empirically examines the factors affecting the intention to use FinTech applications during the pandemic situation. The convenient sampling of the research comprised 546 individual respondents from different cities in Pakistan. The research results indicate that perceived benefits and social influence have significantly affected the customer's intentions to use FinTech applications during the covid-19 pandemic.Customers' intentions to utilize FinTech apps are unaffected by perceived technology risks. Furthermore, the findings show that attitude influences the relationship between social influence and perceived consumer trust. To ensure confidence, FinTech service providers should make sure their solutions are simple to use, meet demands, and protect clients' data. This will favourably influence consumers' adoption.

In this study, the proposed model of acceptance factors of cryptocurrencies was analyzed to recognize user behavioral intention by using; web quality, facilitating conditions, perceived risk, e-WOM, and perceived ease of use with the mediating role of the trust factor. An efficient and effective better arrangement of understanding this unique virtual delusion of the use of cryptocurrencies has become an essential part of the virtual world for each stakeholder. So many deliberations on the regulatory frameworks of cryptocurrencies have taken place among government regulators, financial advisors, tax consultants, politicians, thinkers, economists, and lawmakers, but there is inconclusive evidence on legislation in Pakistan.