Florentina Kurniasari
Technology Management Department, Universitas Multimedia Nusantara, Banten, Indonesia

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Financial Technology: From Temporary Disruption to New Financial Industry Model Andrew Djauhary; Florentina Kurniasari; Mulyono Mulyono
Journal of Business and Management Review Vol. 3 No. 6 (2022): (Issue-June)
Publisher : Profesional Muda Cendekia Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47153/jbmr36.3952022

Abstract

The digital transformation process in business has impacted every business globally. Unfortunately, the Covid-19 pandemic is adding to the pressure to exist even worse in situation. The research study is taking the impact of the disruptive financial technology services on sustaining the Small and Medium Enterprise during the pandemic. Using the study in Indonesia’s financial industry performance, the researcher wanted to find out the variables that able to sustain the temporary function of digital business into a permanent transformation of business function. A close look at the literature of company performance reveals that different variables have been used by the researchers to influence the performance of a company. They are human capital, customer orientation, and dynamic capability. However, the research has limitation for multi-group analysis, thus the researcher suggest that further study need to be continue to update changes that is not relevant in the future.
Determinant Factors of Fintech Adoption in Organization using UTAUT Theory Approach Florentina Kurniasari; Prio Utomo; So Yohannes Jimmy
Journal of Business and Management Review Vol. 4 No. 2 (2023): (Issue-February)
Publisher : Profesional Muda Cendekia Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47153/jbmr42.6032023

Abstract

The presence of Financial Technology (FinTech) as an innovative and disruptive financial service can improve the efficiency and scope of organization business process through the application of technology. In determining the effectiveness of Fintech adoption, each organization will measure by considering both from the perspectives of management and user in the organization. This proposed study aims to examine the effect of FinTech adoption in organization using the UTAUT approach. It attempts to measure the variable of performance expectancy, effort expectancy, social influence, customer’s trust and regulatory services into the effect of FinTech adoption in the organization. This study adopts quantitative method through online survey and the data will be analyzed by using Structural Equation Method (SEM). This proposed study’s findings could contribute by enhancing the organization the importance of FinTech adoption to increase business performances. The study showed that the the adoption of FinTech in organization had significantly influenced by performance expectancy, effort expectancy, social influence, customer trust as well as regulatory services. Customer trust itself had the highest influenced among others. Meanwhile, regulatory services had the smallest influence to the FinTech adoption in Organization.