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All Journal Jurnal Ekonomi dan Pendidikan Jurnal Dinamika Akuntansi Abdimas Dinamika Pendidikan MUQTASID Accounting Analysis Journal Economic Education Analysis Journal Panrita Abdi - Jurnal Pengabdian pada Masyarakat SAR (Soedirman Accounting Review): Journal of Accounting and Business Jurnal Riset Keuangan dan Akuntansi (JRKA) Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Jurnal Abdimas PHB : Jurnal Pengabdian Masyarakat Progresif Humanis Brainstorming Abdi: Jurnal Pengabdian dan Pemberdayaan Masyarakat Madaniya Journal of Management and Business Environment (JMBE) Unri Conference Series: Community Engagement Journal of Applied Data Sciences DedikasiMU: Journal of Community Service Participative Journal (PJ) : Jurnal Pengabdian Pada Masyarakat Indonesian Journal of Devotion and Empowerment (IJDE) JPNM : Jurnal Pustaka Nusantara Multidisiplin Jurnal Dinamika Akuntansi Jurnal Bina Desa "Indonesian Journal of Devotion and Empowerment (IJDE) "
Indah Anisykurlillah
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Religion Arts Humanities Automotive Engineering Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Mechanical Engineering Medicine & Pharmacology Public Health Social Sciences Other

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Journal : Journal of Applied Data Sciences

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Determinants of Student Behavior to Use Financial Technology (Fintech) Banking Services - Integrated Theory of System Acceptance and Psychological Behavioral Theory Fachrurrozie, Fachrurrozie; Anisykurlillah, Indah; Mukhibad, Hasan; Jati, Kuat Waluyo; Nurkhin, Ahmad
Journal of Applied Data Sciences Vol 7, No 2: May 2026
Publisher : Bright Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47738/jads.v7i2.1138

Abstract

Fintech provides technology-based banking and financial services; therefore, the analysis of FinTech usage behavior should be viewed in the context of system acceptance and psychological behavioral theory. We employ the System Acceptance Theory approach, specifically the Theory of Acceptance Model, and the psychological behavioral theory, the Theory of Reasoned Action, to explain behavioral intention to use FinTech and incorporate risk factors. This study aims to prove the influence of perceived ease of use, perceived usefulness, subjective norms, attitude, and perceived risk on the intensity of Generation Z's intention to use Fintech. Moreover, this research demonstrates the influence of intention to use Fintech on fintech usage behavior. This research employed a survey approach with 350 students in Indonesia, who are part of Generation Z, and analyzed the data using Structural Equation Modeling with Partial Least Squares. We report that perceived ease of use and perceived usefulness are vital factors in increasing the intention to use Fintech. Attitude is a factor that encourages students to use Fintech, and conversely, perceived risk is a vital factor in decreasing intention to use Fintech. We were unable to find evidence of a relationship between subjective norms and intention to use Fintech. Ultimately, behavioral intention in using Fintech is crucial for increasing student adoption of Fintech. This study recommends that financial institutions offer Fintech services to enhance usability, convenience, and mitigate the risks associated with fintech use.
Co-Authors - FACHRURROZIE -, Kustiani Aan Ikhsananto, Aan Agus Wahyudin Ahmad Nurkhin Ain Hajawiyah Alifian Nur Aditya, Alifian Nur Amir Mahmud Ananda, Delya Saski Andriana, Adhe Eva Anis Widyawati Arfiyadi, Arfiyadi Arfiyadi, Arfiyadi Arief, Sandy Arizal Latif Fiatmoko, Arizal Latif Arumawan Mei Saputra Asrodin, Mukhammad Atiek Zahrulianingdyah Atiek Zahrulianingdyah, Atiek Atta Putra Harjanto Baswara, Satsya Yoga Bergas Rezqika Dwi Harini DWI LESTARI, TIARA Dyah Ayu Trihapsari, Dyah Ayu eka rahmawati Eka Rahmawati Eram Tunggul Pawenang Eram Tunggul Pawenang Feby Intan Trinanda, Feby Intan Fitria Puji Astuti, Fitria Puji Fuad, Muhammad Nur Gilang Anies Saendy, Gilang Anies Harini, Dwi Hasan Mukhibad Henny Murtini Hudzaifah Ibnu Aimar Tamir, Hudzaifah Ibnu Aimar Ikhsan, Sukardi Indah Fajarini Sri Wahyuningrum, Indah Fajarini Sri Istiqomah, Dian Permana Jati, Kuat Waluyo Krisna Dewi, Krisna Kuat Waluyo Jati Kustiani - Kusumantoro Lestari Sukartiningsih, Lis Linda Agustina Luki Arsih, Luki Lyna Latifah Lyna Latifah Magda Kumalasari, Magda Muhammad Khafid Muhammad Noor Ardiansah Muhandisah, Zakiyatul Mukhibab, Hasan Niswah Baroroh Niswatun Hasanah Nurcahyo, Dhanar Dwika Nurcahyo, Dhanar Dwika Nurdian Susilowati Nurlaeliyah, M.Pd.I . Oktaviana, Anggita Permatasari, Yoan Prabowo Yudo Jayanto Rachmadi, Moch Faizal Raharjo, Teguh Hardi Rahmawati, Putri Nur Rahmawati, Putri Nur Ratna, Tuti Dewi Richatul Jannah Risanda Alirastra Budiantoro Ristina Sitio, Ristina Rizki Azizah, Rizki Rizki, Putra Rizki, Putra Rizkiana, F. R.W. Rizkyana, Fitrarena Widhi Rohman, Shohihatur Saendy, Gilang Anies Sakti, Andik Dwi Sakti, Andik Dwi Sandy Arief Selvia Yunita Setiyaningrum, R. Subowo Subowo Sugiyat, Junjung Sukardi Ikhsan Sulhadi Sunyoto Sunyoto Sunyoto Sunyoto Syamsul Arifin Wardianti, Sri Wasiatun Hikmah, Ifa Widiyanto Winata, Atika Sukma Yunita, Selvia