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All Journal Eduvest - Journal of Universal Studies
Ade Andri Hendriadi
Universitas Singaperbangsa Karawang, Indonesia
Aerospace Engineering Computer Science & IT Health Professions Neuroscience Social Sciences

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Conceptual Model of Fintech Information System Services Adoption for Impact and Transformation Workers in Vocational Context Ade Andri Hendriadi; Isma Widiaty; Iwan Kustiawan
Eduvest - Journal of Universal Studies Vol. 5 No. 11 (2025): Eduvest - Journal of Universal Studies
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/eduvest.v5i11.52401

Abstract

This study develops and tests a conceptual model of fintech information systems services adoption for impact and transformation workers in vocational context in Indonesia. Through a mixed-method approach with 618 respondents, the study identified complex interactions between individual characteristics, organizational factors, and barriers to adoption, as well as their effects on system quality and adoption impacts. The results showed that individual characteristics were the strongest determinants (β = 0.684) of fintech adoption, followed by organizational factors (β = 0.572) and barriers to adoption (β = -0.428). System quality (β = 0.745) acts as the main mediator, influencing the level of use that impacts four dimensions: individual (β = 0.682), organizational (β = 0.624), process (β = 0.594), and technological (β = 0.568). This model offers a comprehensive framework for understanding and managing fintech adoption in a vocational environment, with significant implications for practitioners, organizations, and policymakers.
Co-Authors Isma Widiaty Iwan Kustiawan