An Empirical Study of Microsoft Copilot Adoption in Financial Technology: Productivity, Performance, and Trust Perspectives

This chapter presents an empirical study examining the determinants of Microsoft Copilot usage among software development professionals in the FinTech sector. Drawing on technology acceptance and socio-technical perspectives, the study investigates how perceived productivity, performance enhancement, learning and development, trust, and sectoral impact influence actual usage behavior. Data were collected from 154 developers through a structured survey and analyzed using non-parametric statistical methods. The findings indicate that usage frequency and application domain significantly shape general usage and learning perceptions, while gender differences emerge in the trust dimension; education level and professional experience show no statistically significant effects. Overall, the results highlight that contextual engagement, and practical performance benefits play a more decisive role in AI-assisted tool adoption than demographic characteristics, offering implications for structured and domain-specific implementation strategies in regulated software environments.