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All Journal Jurnal Riset Bisnis dan Manajemen Tirtayasa
Yuhana Astuti
Management Study Program, School of Economics and Business, Telkom University, Bandung, Indonesia
Economics, Econometrics & Finance Social Sciences

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Fintech Lending Adoption Intention among MSMEs in West Java: An Extended TAM Approach Muhammad Zaydan Kamil; Yuhana Astuti
Jurnal Riset Bisnis dan Manajemen Tirtayasa Vol 10, No 1 (2026)
Publisher : Faculty of Economics and Business - Universitas Sultan Ageng Tirtaysa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35448/jrbmt.v10i1.41839

Abstract

Access to business financing remains a major challenge for Micro, Small, and Medium Enterprises (MSMEs) in Indonesia despite the rapid growth of fintech lending services. This study examines the effects of perceived usefulness, perceived ease of use, e-trust, and attitude on MSMEs’ intention to use fintech lending in West Java using an extended Technology Acceptance Model. A quantitative survey was conducted with 188 MSME owners and managers, and the data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The findings show that attitude is the strongest determinant of intention to use fintech lending. Perceived usefulness significantly influences both attitude and intention to use, while perceived ease of use significantly affects perceived usefulness but does not directly affect attitude. E-trust significantly influences perceived usefulness, perceived ease of use, and attitude, but does not directly influence intention to use.
Co-Authors Muhammad Zaydan Kamil