ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT MENGGUNAKAN FINTECH LENDING
Dublin Core
Title
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT MENGGUNAKAN FINTECH LENDING
Subject
Technology Acceptance Model, financial technology, lending.
Description
This study aims to examine the determinants of the developed Technology Acceptance Model (TAM)
framework. The author used stratified random sampling, and data collection used a survey method.
The analysis technique used is multiple regression analysis and path analysis using the IBM SPSS
25 software. The results show that perceived ease of use and perceived risk do not influence attitude
towards fintech lending. In contrast, perceived usefulness, relative advantage, and perceived cost
influence it, and attitude influences intention to use fintech lending behavior. Moreover, the attitude
has a partial mediation role only in the relationship between perceived usefulness and relative
advantage to fintech lending using intention. These results support the original model of TAM that
states perceived ease of use has a nonsignificant effect on attitude towards using behavior. It
suggested that financial technology services foster users to use fintech lending through various ways
to tell it is easy enough to use and able to protect users' secure data and information. This study also
contributes to giving more empirical evidence for other variables to modify and develop the Technology Acceptance Model.
framework. The author used stratified random sampling, and data collection used a survey method.
The analysis technique used is multiple regression analysis and path analysis using the IBM SPSS
25 software. The results show that perceived ease of use and perceived risk do not influence attitude
towards fintech lending. In contrast, perceived usefulness, relative advantage, and perceived cost
influence it, and attitude influences intention to use fintech lending behavior. Moreover, the attitude
has a partial mediation role only in the relationship between perceived usefulness and relative
advantage to fintech lending using intention. These results support the original model of TAM that
states perceived ease of use has a nonsignificant effect on attitude towards using behavior. It
suggested that financial technology services foster users to use fintech lending through various ways
to tell it is easy enough to use and able to protect users' secure data and information. This study also
contributes to giving more empirical evidence for other variables to modify and develop the Technology Acceptance Model.
Creator
Samuel Martono
Source
DOI : http://dx.doi.org/10.26418/jebik.v10i3.45827
Publisher
Univ. Tanjungpura
Date
28-12-2021
Contributor
Sri Wahyuni
Rights
P-ISSN : 2087-9954, E-ISSN : 2550-0066
Format
PDF
Language
Indonesian
Type
Text
Coverage
Jurnal Ekonomi Bisnis dan Kewirausahaan (JEBIK) Univ. Tanjungpura 2021
Files
Collection
Citation
Samuel Martono, “ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT MENGGUNAKAN FINTECH LENDING,” Repository Horizon University Indonesia, accessed March 12, 2025, https://repository.horizon.ac.id/items/show/5952.