Do personality traits affect the acceptance of e-finance?

Online finances are transforming from ventures into a more stable age. However, people still doubt whether they would be benefited more from the virtual world than that of in the real world. This paper aims to better understanding of how personality traits affect the acceptance of e-finance by incorporating personality traits into the Unified Theory of Acceptance and Use of Technology (UTAUT) model. Our findings suggest that personality traits have significant moderating effects on influencing behavioural intentions. Since the effects of human traits on their behavioural intentions might vary under different circumstances, different context or different cultures. The similarities and the differences are also discussed.