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

Maretta Arninda Dianty and Taufik Faturohman

International Journal of Monetary Economics and Finance, 2023, vol. 16, issue 3/4, 222-230

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.

Keywords: Fintech; Fintech lending; user adoption; TAM; technology acceptance model. (search for similar items in EconPapers)
Date: 2023
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Persistent link: https://EconPapers.repec.org/RePEc:ids:ijmefi:v:16:y:2023:i:3/4:p:222-230

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