aspg-37-4405-1792226264 20261017083744 American Scientific Publishing Group admin@americaspg.com American Scientific Publishing Group Financial Technology and Innovation FinTechI 2836-5372 2025 5 1 Serkan Yilmaz Kandir Faculty of Economics and Administrative Sciences, Cukurova University, Adana, Turkey Murat Ismet Haseki Faculty of Economics and Administrative Sciences, Cukurova University, Adana, Turkey The structural transformation of retail financial services by mobile banking platforms, FinTech applications, open banking ecosystems, and AI-powered credit and advisory tools has created both unprecedented opportunities for financial inclusion and a pronounced gap between adoption rates achievable in high-digital-literacy segments and those attainable in mainstream and mass-market contexts. Comparative evidence assessing customer satisfaction and financial advisor acceptance simultaneously across multiple FinTech service domains and institutional segments remains sparse, limiting the evidence base available to practitioners and policymakers designing inclusive FinTech deployment strategies. The present investigation enrolled retail banking customers across four institutional segments—traditional banks, challenger banks, credit unions, and private banking divisions alongside a parallel cohort of relationship managers and financial advisors, to assess adoption rates and satisfaction across four FinTech domains: mobile and digital banking, FinTech financial applications, open banking and personal financial management, and AI-powered credit assessment and advisory services. Significant between-segment variation was documented across all four domains, with private banking customers reporting the highest satisfaction and adoption and credit union customers the lowest. AI-powered credit and advisory services elicited the lowest customer satisfaction across all segments and the largest customer-advisor divergence. Digital financial literacy and prior FinTech experience emerged as the two strongest independent predictors of adoption. The investigation contributes a validated crosssegment measurement instrument, customer-profile-specific adoption profiles, and evidence-based recommendations for financial service providers deploying FinTech capabilities across heterogeneous customer bases. 2025 39 50 4405 https://creativecommons.org/licenses/by/4.0/ 10.54216/FinTech-I.050105 https://americaspg.com/journal/37/article/4405 https://americaspg.com/storage/articles/manuscripts/01M2KCN9Y73RYJBSFSS1P416NT.pdf