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All Journal ETIKONOMI Economic Journal of Emerging Markets Jurnal Ekonomi & Studi Pembangunan Jurnal Ilmu Manajemen Profitability Journal of Economics Research and Social Sciences Journal of Islamic Economic and Business Research Universitas Muhammadiyah Yogyakarta Undergraduate Conference Proceeding Jurnal Manajemen, Akuntansi, Ekonomi JPS (Jurnal Perbankan Syariah)
Aprizal, Anggi
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Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Public Health Social Sciences

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Analyzing Switching Intention to Fintech-Based Crowdlending Services: A Push-Pull-Mooring Model Dimas Bagus Wiranatakusuma; Virgiawan Andhika; Anggi Aprizal; Ghalieb Mutig Idroes
Jurnal Ilmu Manajemen Profitability Vol. 10 No. 1 (2026): FEBRUARY 2026
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/p7rnap76

Abstract

The rapid growth of financial technology has transformed financial services, particularly through fintech-based crowdlending platforms that offer alternatives to conventional banking. Despite their potential advantages, switching from traditional banks to crowdlending remains limited, even among digitally literate university students. Prior research has focused primarily on adoption intention, with limited attention to the combined roles of dissatisfaction, attractiveness, and behavioral constraints in shaping switching decisions. This study examined the determinants of switching intention to fintech-based crowdlending using the Push–Pull–Mooring framework. A quantitative design was employed, and primary data were collected through structured questionnaires from 267 undergraduate economics students at Universitas Muhammadiyah Yogyakarta, Indonesia. Data were analyzed using Partial Least Squares–Structural Equation Modeling to test measurement validity and structural relationships. The findings revealed that pull factors relative advantage, perceived security, and ease of use—positively and significantly influenced switching intention (β = 0.179; p < 0.01). Push factors, including dissatisfaction with pricing, service quality, and product features, showed no significant effect (β = −0.002; p > 0.05). Mooring factors, such as inertia, affective commitment, and perceived switching costs, exerted a significant negative influence (β = −0.166; p < 0.05). These results indicate that switching intention is driven more by perceived benefits of alternatives than by dissatisfaction, while psychological and transactional barriers remain critical constraints.
Co-Authors Aan Zulyanto, Aan Agus Tri Basuki Arundaya, Faiz Ajhar binti Abdul Majid, Nurul Huda Dimas Bagus Wiranatakusuma Ghalieb Mutig Idroes Husna , Jihan Arifah Kencana, Fawwaz Ardhan Naziruddin Abdullah Primambudi, Ganjar Ramadhani, Nashwa Aulia Razak, Dzuljastri Abdul Virgiawan Andhika Wahab, Norazlina Abd Wiranatakusuma, Dimas Bagus Yusof, Rosylin Mohd Yusuf, Muhammad K Zahra, Monica Kis Al