AI-Powered Buy-Now-Pay-Later Smart Contracts in Healthcare
As healthcare systems face mounting pressure to modernise payment infrastructure, fintech innovations have emerged as potential tools to improve affordability and efficiency. However, the adoption of these technologies in clinical settings remains limited. This study investigated the perceptions and...
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| Format: | Article |
| Language: | English |
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MDPI AG
2025-06-01
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| Series: | FinTech |
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| Online Access: | https://www.mdpi.com/2674-1032/4/2/24 |
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| author | Ângela Filipa Oliveira Gonçalves Shafik Faruc Norali Clemens Bechter |
| author_facet | Ângela Filipa Oliveira Gonçalves Shafik Faruc Norali Clemens Bechter |
| author_sort | Ângela Filipa Oliveira Gonçalves |
| collection | DOAJ |
| description | As healthcare systems face mounting pressure to modernise payment infrastructure, fintech innovations have emerged as potential tools to improve affordability and efficiency. However, the adoption of these technologies in clinical settings remains limited. This study investigated the perceptions and resistance patterns of healthcare professionals toward Buy-Now-Pay-Later technology and blockchain in healthcare finance, using Innovation Resistance Theory as the guiding framework. Survey data collected from medical practitioners (N = 366) were analysed to identify knowledge gaps, perceived risks, and tradition-related barriers that influence adoption intent. The findings reveal that while interest in financial innovation exists, resistance is driven by institutional conservatism, regulatory uncertainty, and limited familiarity with decentralised finance systems. This research contributes to the literature by offering a theory-based explanation for why even high-potential financial tools face behavioural and structural resistance in healthcare environments. |
| format | Article |
| id | doaj-art-fde22fb4b1bc4d61a0e260cd1cfef26d |
| institution | Kabale University |
| issn | 2674-1032 |
| language | English |
| publishDate | 2025-06-01 |
| publisher | MDPI AG |
| record_format | Article |
| series | FinTech |
| spelling | doaj-art-fde22fb4b1bc4d61a0e260cd1cfef26d2025-08-20T03:27:18ZengMDPI AGFinTech2674-10322025-06-01422410.3390/fintech4020024AI-Powered Buy-Now-Pay-Later Smart Contracts in HealthcareÂngela Filipa Oliveira Gonçalves0Shafik Faruc Norali1Clemens Bechter2ULS Algarve, 8000-386 Faro, PortugalULS Algarve, 8000-386 Faro, PortugalUMIO, Maastricht University, 6211 LH Maastricht, The NetherlandsAs healthcare systems face mounting pressure to modernise payment infrastructure, fintech innovations have emerged as potential tools to improve affordability and efficiency. However, the adoption of these technologies in clinical settings remains limited. This study investigated the perceptions and resistance patterns of healthcare professionals toward Buy-Now-Pay-Later technology and blockchain in healthcare finance, using Innovation Resistance Theory as the guiding framework. Survey data collected from medical practitioners (N = 366) were analysed to identify knowledge gaps, perceived risks, and tradition-related barriers that influence adoption intent. The findings reveal that while interest in financial innovation exists, resistance is driven by institutional conservatism, regulatory uncertainty, and limited familiarity with decentralised finance systems. This research contributes to the literature by offering a theory-based explanation for why even high-potential financial tools face behavioural and structural resistance in healthcare environments.https://www.mdpi.com/2674-1032/4/2/24healthcarepricing modelscryptocurrenciessmart contractstokenisationdecentralised financial markets |
| spellingShingle | Ângela Filipa Oliveira Gonçalves Shafik Faruc Norali Clemens Bechter AI-Powered Buy-Now-Pay-Later Smart Contracts in Healthcare FinTech healthcare pricing models cryptocurrencies smart contracts tokenisation decentralised financial markets |
| title | AI-Powered Buy-Now-Pay-Later Smart Contracts in Healthcare |
| title_full | AI-Powered Buy-Now-Pay-Later Smart Contracts in Healthcare |
| title_fullStr | AI-Powered Buy-Now-Pay-Later Smart Contracts in Healthcare |
| title_full_unstemmed | AI-Powered Buy-Now-Pay-Later Smart Contracts in Healthcare |
| title_short | AI-Powered Buy-Now-Pay-Later Smart Contracts in Healthcare |
| title_sort | ai powered buy now pay later smart contracts in healthcare |
| topic | healthcare pricing models cryptocurrencies smart contracts tokenisation decentralised financial markets |
| url | https://www.mdpi.com/2674-1032/4/2/24 |
| work_keys_str_mv | AT angelafilipaoliveiragoncalves aipoweredbuynowpaylatersmartcontractsinhealthcare AT shafikfarucnorali aipoweredbuynowpaylatersmartcontractsinhealthcare AT clemensbechter aipoweredbuynowpaylatersmartcontractsinhealthcare |