Financial technology (FinTech) is transforming the financial services industry by offering innovative, convenient solutions for businesses and individuals. This study examines the factors influencing FinTech adoption, with a special focus on trust. By integrating insights from both the unified theory of acceptance and use of technology (UTAUT2), and the trust theoretic model (TTM), this research uncovers critical determinants of FinTech adoption. Utilizing survey responses obtained from 399 participants, this research employs the partial least squares structural equation modelling method. The findings reveal that performance expectancy, effort expectancy, social influence, habit, price value, and facilitating conditions significantly influence users’ intentions to use FinTech services. In addition, the study shows that trust plays a crucial role in FinTech use, as it influences both the intentions to use and the actual use of FinTech. Surprisingly, hedonic motivation was found not to affect users’ intentions, implying that people see FinTech as a practical, rather than enjoyable, endeavor. These insights provide valuable guidance for service providers and policymakers seeking to enhance FinTech adoption and utilization while ensuring the security and trustworthiness of these digital platforms.

The textile industry, characterized by high labor intensity and competitive pressures, faces persistent challenges in retaining skilled employees. This study explores the relationship between employee engagement strategies and workforce retention within the textile sector. Using a structured questionnaire administered to 109 employees across various departments. The research evaluates six dimensions of engagement such as communication and leadership, recognition and reward, training and development, work environment and culture, job satisfaction and empowerment, and retention intentions. Data analysis reveals that strategic engagement practices significantly influence employees' intentions to remain with the organization. In particular, transparent communication, opportunities for professional development, and a supportive work environment emerged as strong predictors of retention. The findings underscore the need for textile firms to adopt a holistic and sustained approach to employee engagement in order to mitigate turnover and foster a committed, productive workforce. This study contributes to the understanding of human resource practices in labor-intensive industries and provides actionable insights for management in enhancing employee loyalty.