Studi Prilaku Pengguna Layanan Financial Technology (Fintech) di Indonesia: Analisa Persepsi Risiko dan Manfaat

Verni Juita; Firdaus Firdaus; Tria Najla Prima Hermanto

doi:10.24036/011100040

Studi Prilaku Pengguna Layanan Financial Technology (Fintech) di Indonesia: Analisa Persepsi Risiko dan Manfaat

Verni Juita⁽¹⁾, Firdaus Firdaus⁽²⁾, Tria Najla Prima Hermanto⁽³⁾,
(1) Universitas Andalas

Indonesia
(2) Universitas Andalas

Indonesia
(3) Universitas Andalas

Indonesia

Corresponding Author

DOI : https://doi.org/10.24036/011100040

Full Text:

Language : Indonesia

Abstract

This study aims to understand why users want or reluctant to adopt Fintech services in Indonesia. In particular, it examines the positive factors (perceived benefits) and negative factors (perceived risks) that simultaneously affect user behaviors in adopting Fintech services. Furthermore, this research compares the impact of the perceived benefits and perceived risks on the Fintech adoption intention between users of different Fintech services. It uses the benefit-risk framework which integrates positive and negative factors associated with its adoption. This study survey around 450 respondents. The survey data is processed and analyzed using PLS Smart 3.0. This research found that the perceived benefits of using Fintech services outweigh its perceived risks. The results also suggest that convenience is the most beneficial factors determining the intention to use Fintech, while the legal risk is the most negative factors for the Fintech adoption intention.

Keywords

Financial Technology, Fintech risks and benefits, user’s Perceived Risks and benefits of Fintech

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