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Studies illustrate progress in financial technology in Pakistan; nevertheless, the uncertain obstacle that prevents clients from adopting financial technology remains unclear. The research on the perceived risk, particularly in using financial technology in Pakistan, is limited. Therefore, this research bridges this gap. Two hundred ten members partook in this exploration. We have used the structural equation modeling approach to probe the acquired information and hypothesis. Empirical results show that three of eight perceived risk factors: performance risk, financial risk, and overall risk, have a substantial adverse effect on the intention to utilize financial technology. The highest impact was performance risk, followed by financial risk and overall risk. Whereas the other five risks: social risk, time risk, security risk, legal risk, and psychological risk, statistically have no substantial adverse effect on intent to utilize financial technology. The outcomes help experts better conceptualize and diminish hazard boundaries in planning for the disturbance of financial technology (fintech). Experts are likewise encouraged to focus on fintech's operational aptitudes and utilitarian framework execution in fintech administrations. [ABSTRACT FROM AUTHOR]

Introduction: In the construction of emergency engineering, the effective participation of organizations such as government and construction enterprises can improve engineering emergency services to emergency adaptive, which faces the challenge of the enthusiasm of enterprises' emergency participation. This study proposed a new diversified social governance mode for public emergency facility construction. Methods: This paper empirically analyzes the performance of stock market returns before and after construction enterprises' participation in emergency engineering. Results: Against the backdrop of COVID-19, the analysis based on the sample data of 141 listed companies found that both construction enterprises directly involved in emergency hospital construction and non-state-owned enterprises involved in donations have higher excess return rates. In contrast, social concern has a positive mediating effect between emergency donations and stock market returns. The study suggests that stock market returns from donation behavior and reputation capital become incentives for firms to actively participate in emergency donations, providing a behavioral basis for professional donations by construction firms. Discussion: Based on the above assumptions, this paper proposes the organizational model of emergency engineering construction and the "Engineering Community" relationship based on the "Engineering Multi-governance" theory. This paper is the first to study the emergency engineering construction model from the perspective of professional donation behavior. [ABSTRACT FROM AUTHOR]