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All Journal Jurnal Minds: Manajemen Ide dan Inspirasi
Robert Jeyakumar Nathan
Multimedia University
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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What Drives Individual to Adopt Fintech: Extended TAM Model with Gender as Moderating Variable Budi Setiawan; Nugraha Deni Pandu; Amanj Mohamed Ahmed; Emilda Emilda; Robert Jeyakumar Nathan
Jurnal Minds: Manajemen Ide dan Inspirasi Vol 10 No 1 (2023): June
Publisher : Management Department, Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/minds.v10i1.35081

Abstract

Access to financial services is pivotal in improving welfare, reducing poverty, and accelerating financial inclusion in the emerging nation. This study analyzes the factors that drive consumer adoption of fintech by extending the TAM model with financial literacy and government support, as well as gender as moderating variable. Data was collected from 397 respondents in Indonesia and analyzed using SmartPLS 3.0. The result shows that perceived usefulness, ease of use, financial literacy, and government support significantly affect the adoption of fintech. The moderation analysis reveals that men perceive usefulness as more important for fintech adoption and ease of use for women.
Co-Authors Amanj Mohamed Ahmed Budi Setiawan Deni Nugraha Emilda, Emilda