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Tria Najla Prima Hermanto
Universitas Andalas
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Studi Prilaku Pengguna Layanan Financial Technology (Fintech) di Indonesia: Analisa Persepsi Risiko dan Manfaat Verni Juita; Firdaus Firdaus; Tria Najla Prima Hermanto
Jurnal Inovasi Pendidikan Ekonomi (JIPE) Vol 10, No 2 (2020): Jurnal Inovasi Pendidikan Ekonomi
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/011100040

Abstract

This study aims to understand why users want or reluctant to adopt Fintech services in Indonesia. In particular, it examines the positive factors (perceived benefits) and negative factors (perceived risks) that simultaneously affect user behaviors in adopting Fintech services. Furthermore, this research compares the impact of the perceived benefits and perceived risks on the Fintech adoption intention between users of different Fintech services. It uses the benefit-risk framework which integrates positive and negative factors associated with its adoption. This study survey around 450 respondents. The survey data is processed and analyzed using PLS Smart 3.0. This research found that the perceived benefits of using Fintech services outweigh its perceived risks. The results also suggest that convenience is the most beneficial factors determining the intention to use Fintech, while the legal risk is the most negative factors for the Fintech adoption intention.
Co-Authors Ida Ayu Putu Sri Widnyani Verni Juita