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Journal : journal of consumer science

The Effects of Perceived Ease of Use, Security, and Promotion on Trust and Its Implications on Fintech Adoption Meryl Astin Nangin; Irma Rasita Gloria Barus; Soegeng Wahyoedi
Journal of Consumer Sciences Vol. 5 No. 2 (2020): Journal of Consumer Sciences
Publisher : Department of Family and Consumer Sciences, Faculty of Social and Human Ecology, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jcs.5.2.124-138

Abstract

The advancement of mobile devices and their usage has increased the uptake of fintech innovation. These new technologies should provide ease of use and give advantages to their customers. On the other side, mobile application security threats have increased tremendously and have become a great challenge for both users, in this case, as customers, and fintech innovators. Meanwhile, service should be promoted to the customers to establish fintech's brand to society. This research empirically examined the components affecting the expectations of users to adopt fintech. By collecting 100 samples who have already used a couple of brands of Fintech and Sakuku as their payment method, and by utilizing Structural Equation Modeling- Partial Least Square (SEM-PLS) as the technique of analysis, the empirical results definitely confirmed that perceived ease of use (PEOU) and promotion positively and significantly affected the customer trust. Meanwhile, security did not significantly affect trust. The finding also implied that in order to increase the fintech adoption rate, customer trust should be built.
Co-Authors ., Infrianto Abdul Hakam Aditya Wardhana admin Alim Salipin Amiruddin Amiruddin Andry Annie Tiofany Aris Harsono Aris Harsono Astrid, Mariana Aurora Oktabella Andini Bambang Siswanto Bernard T. Widjaja Bernard T. Widjaja Budi Haryono Budi Sulistiyo Nugroho Catherine Yusine Surbakti Chandra Prasetya, Andrian Chandra, Ruvianti Dasep Supriatna Desy Purnama, Eka Dety Mulyanti Dwi Indah Kartika Dwi Murwani W. Pramono Dwiyanti Putri, Rosana Edward Kustiawan Edwind Kustiawan Erwah Kurniawan Eva Oktavia, Eva Evelyn Maurencia Faisal Abubakar Fanggidae, Adhe William Fanny Fanny Fanny Fanny Felisia NG Fendra Wician Ferdy Halim Fushen Fushen, Fushen Ginting, Imbri Fernando Guntur Novizal Handy Winata Haryono, Budi Hendy Tannady Heppi Syofya, Heppi Heri Winoto Tj Herry Ruslim Hery Winoto Hery Winoto Tj Hery Winoto TJ Hizbul Khootimah Azzaakiyyah Hutapea , Watul Salim I Gusti Bagus Mahendra Putra Ika Yanni Hadi Ilham Arief Imbri Fernando Ginting Infrianto . Irfan Saputra Iskandar Irma Rasita Gloria Barus Jeffrey Johannes Jimmy Yosal Joseph Vernanda Judijanto, Loso Kurnianingsih, Mirra Kushariyadi Letelay, Santi Erlanda Magdalena Lionarto Lionarto Lizardo, Jimmy Mansula, Belynda Martiman Suazisiwa Sarumaha Melitina Tecoalu Melitina Tecoalu Meryl Astin Nangin Miki Effendi Nangin, Meryl Astin Natallidna Tarigan Novia Agustini, Candy Noviati Noviati Octoviany, Christine Oktariansyah Oktariansyah Oktavia Oktavia P.M. Budi Haryono Perdana Putera Pieter Andre Pramono, Dwi Murwani W. Pristiwanto Bani Pujiastuti, Mena Putra, Sedayu Syah Rais, Rinovian Raymond Reza Febrianty Ariatama Ricky Hertanu Ricky Yamintara Riesna Apramilda Rini Putri Utami Rudi Faradin Rudy C. Tarumingkeng Saeful Amin, Saeful Sajuli Andreas Santoso Saparso Saparso Saparso Saparso Saparso Saparso Saparso Saparso Saparso Saparso Saparso Sarah Prasasti SARASWATI, RIA Satriyani, Febrianti Yuli Silaban, Budi Partogi Sisilia Sudargo Siska Siswanto, David Jefry Sormin, Maduma Steven Liong Winoto Suherlan Suherlan, Suherlan Sunaris, Deby Sundah, Felix Syamsu Rijal Syeh Assery Takim Andriono Tania Larasati Tanti Sugiharti Tanuraharjo, Hans Harischandra Tarumingkeng, Rudy C Tonibun Tonibun Veronica Norman Adinda Maha Victorya, Jonathan Viola Ratana Maitri Vito Filbert Jayalie, Vito Filbert Wani Devita Gunardi Winoto, Hery Yayan Yayan Yohana, Elesia Santa Yudianto Achamad