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Factors influencing the acceptance of Fintech lending platform in Indonesia: an adoption of technology acceptance model

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  • Maretta Arninda Dianty
  • Taufik Faturohman

Abstract

Indonesian Fintech lending has grown rapidly. However, 50.9% of Indonesians do not have bank accounts (Google, Temasek, % Bain Company, 2019). It illustrates that untapped financial capacity still exists, giving the Fintech lending industry a great opportunity to grow. To increase Fintech lending adoption, this research examines how Indonesians adopt Fintech lending using a modified technology acceptance model (TAM). The survey yielded 200 PLS-SEM responses. In this study, Fintech lending adoption was influenced by perceived usefulness, trust, brand image, perceived risk, and government/regulator support through user attitude. By improving Indonesia's financial inclusion and economy, the global economy will also increase efficiently.

Suggested Citation

  • Maretta Arninda Dianty & Taufik Faturohman, 2023. "Factors influencing the acceptance of Fintech lending platform in Indonesia: an adoption of technology acceptance model," International Journal of Monetary Economics and Finance, Inderscience Enterprises Ltd, vol. 16(3/4), pages 222-230.
    • Handle: RePEc:ids:ijmefi:v:16:y:2023:i:3/4:p:222-230
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