Adopsi Fintech Terhadap Niat Berperilaku dan Pengguna Sebenarnya Dengan Kepercayaan Sebagai Moderasi Pada UMKM

Dayani Okvi Yanto; Endika Sunaryo; Farah Margaretha

doi:10.37479/jeej.v7i2.27345

Adopsi Fintech Terhadap Niat Berperilaku dan Pengguna Sebenarnya Dengan Kepercayaan Sebagai Moderasi Pada UMKM

Dayani Okvi Yanto, Endika Sunaryo, Farah Margaretha

Abstract

This study analyzes the influence of fintech adoption on behavioral intention and actual usage by MSMEs engaging in online loans, with trust as a moderating variable. The research employed a quantitative method using purposive sampling of 200 respondents, analyzed with SEM AMOS. The results show that performance expectancy, effort expectancy, facilitating conditions, social influence, perceived security, and perceived usefulness positively influence behavioral intention. However, personal innovativeness has no significant effect. Meanwhile, facilitating conditions and behavioral intention do not significantly influence actual usage. Trust was proven to moderate the relationship between behavioral intention and actual usage. The implication for MSMEs is that to enhance behavioral intention, technical support in payment systems is necessary to increase the intention to use fintech, without relying on new innovations. The government is expected to play a role in building trust and encouraging social influence so that more MSME actors are motivated to utilize fintech services.

Keywords

actual use, behavioral intention, trust, MSMEs

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DOI: https://doi.org/10.37479/jeej.v7i2.27345