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All Journal International Journal of Electrical and Computer Engineering Fakultas Pertanian ELKOMIKA: Jurnal Teknik Energi Elektrik, Teknik Telekomunikasi, & Teknik Elektronika EMITTER International Journal of Engineering Technology Info-Teknik Journal of Mechanical Engineering Science and Technology JOIV : International Journal on Informatics Visualization JURNAL PENDIDIKAN TAMBUSAI Jurnal Riset Komunikasi JAVA Journal of Electrical and Electronics Engineering Jurnal Pendidikan Review of Management and Entrepreneurship Enrichment : Journal of Management Journal of Energy and Electrical Engineering (JEEE) Reswara: Jurnal Pengabdian Kepada Masyarakat JAREE (Journal on Advanced Research in Electrical Engineering) Jurnal Media dan Komunikasi Indonesia Journal of Mechanical and Electrical Technology Hexatech: Jurnal Ilmiah Teknik Sewagati Jurnal Pengabdian Masyarakat Bangsa Jurnal Riset Multidisiplin dan Inovasi Teknologi Jurnal Communio: Jurnal Jurusan Ilmu Komunikasi Jurnal Komunikasi Indonesia Jurnal Polimesin Jurnal Agribest Mahardika Adiwidia
Wirawan Wirawan
Institut Teknologi Sepuluh Nopember
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THE ROLE OF VALUE CONGRUENCE AND SERVICE TRUST TO INCREASE FINTECH USE AMONG WOMEN: English Junianto, Yopy; Wirawan, Wirawan
Review of Management and Entrepreneurship Vol. 10 No. 1 (2026): Vol. 10 No. 1 (2026): Review of Management and Entrepreneurship
Publisher : International Business Management - Universitas Ciputra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37715/rme.v10i1.4201

Abstract

Economic growth is very dependent on the level of understanding of financial literacy and the technological level of the people in it. People with high financial and technological literacy will increasingly have regular and positive patterns in using fintech. The greater the use of fintech for everyday life, the more the economy will improve. This research aims to investigate the influence of service trust on fintech use through value congruence and Value in use as mediator variables. The authors used women as a sample because women make more purchasing decisions than men. With a sample size of 163 people, the author used primary data with SEM as the analysis method. The results of this study show that women with a high level of trust will be increasingly encouraged to use fintech. Meanwhile, Value in use weakens the relationship between service trust and fintech use, but value congruence is a partial mediator between service trust and fintech use. In this research, the level of trust is essential in increasing the use of fintech, which is the main factor in improving the economy's future.
Co-Authors Achmad Affandi Adhi Dharma Wibawa Adi Suprijanto Akhlis Rizza, Muhammad Amiruddin, Nur Azizah Andi Ayu, Putri Boedinoegroho, Hany Bukit, Alexander Victor Busaeri, Nundang Dani, Agus dedy hariyadi Editya Hendrawarman Endang Widjiati Endroyono Endroyono Etik Puspitasari, Etik Fathur Zaini Rachman Febriantania, Putri Firmansyah, Mohammad Rifqi Fitri Fitri Gamantyo Hendrantoro Gatot Kusrahardjo Geofakta Razali Hamid Alhamid, Muhammad Syerif Haming, Mushawwir Hara, Apriliya Aninta Hardita, Dwi Hedinarta, Hedinarta Hendra Kusuma Hilmi Iman Firmansyah Juniarti, Fira Kgs Ahmadi Lemos, Jose Migunani, Mitariza Miptahudin, Apip Miptahudin, Rd Apip Mustapa, Mohammad Sukri Nanda Nanda Nugroho, Dennis Nurul Hiron, Nurul Paman, Saverius Pamungkas, Johan Pranoto, Bayu Prasetiyono Hari Mukti Pratama, Eka Pratama, Novan Sandy Qadrifa, Sabrina Sofi Rahma, Laila Mufida Ridaningsih, Ida Salsabila, Salma Alya Satworo Adiwidodo Setijadi, Eko SRI RAHAYU Sudirman Sudirman Sukandar, Rudi Sulistyono Sulistyono Suwadi Suwadi Suyanta, Suyanto Syamsul Hadi Titiek Suryani Tri Budi Santoso Wahyu Mushollaeni Yopy Junianto