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Driving Factors for Digital Technology Innovation in Financial Markets in Indonesia

In: Proceedings of the 19th International Symposium on Management (INSYMA 2022)

Author

Listed:
  • Agus Zainul Arifin

    (Tarumanagara University)

  • Khairina Natsir

    (Tarumanagara University)

  • Made Setini

    (Udayana University)

  • Herie Darmawan

    (Tarumanagara University)

Abstract

This study aims to investigate the relationship between Perceived Usefulness and Perceived Risk on Intention to Use mediated by attitude on the use of Fintech with the Technology Acceptance Model (TAM) and the Theory of Planned Behavior (TPB) theoretical approaches. The testing of the model used primary data, namely by distributing online questionnaires using the google form application. The respondents were 202 banking and marketplace services users domiciled in the Greater Jakarta area (Jabodetabek). Data were collected using the non-probability sampling method data analysis using the multiple regression method with the Smart PLS version 3.0 program. The study results show that Perceived Risk and Perceived Usefulness positively affect Intention to Use and attitude mediates the relationship between Perceived Risk and Perceived Usefulness on Intention to Use. This research is the first attempt to use digital banking service users simultaneously in Indonesia with two theoretical approaches.

Suggested Citation

  • Agus Zainul Arifin & Khairina Natsir & Made Setini & Herie Darmawan, 2023. "Driving Factors for Digital Technology Innovation in Financial Markets in Indonesia," Advances in Economics, Business and Management Research, in: Werner Ria Murhadi & Dudi Anandya & Noviaty Kresna Darmasetiawan & Juliani Dyah Trisnawati & Putu An (ed.), Proceedings of the 19th International Symposium on Management (INSYMA 2022), pages 99-107, Springer.
    • Handle: RePEc:spr:advbcp:978-94-6463-008-4_14
    DOI: 10.2991/978-94-6463-008-4_14
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