The Effects of Perceived Ease of Use, Perceived Usefulness, Attitude, and Trust on Fintech Adoption in MSMEs

Sulaiman Helmi (), W. Ratna Sesotya and Andri Pranata
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Sulaiman Helmi: Universitas Bina Darma, Department of Master of Management, Graduate School
W. Ratna Sesotya: Sekolah Tinggi Pembangunan Masyarakat Desa “APMD” Yogyakarta
Andri Pranata: Universitas Bina Darma, Department of Master of Management, Graduate School

A chapter in Proceedings of the 2nd International Conference on Management and Business (ICOMB 2023), 2024, pp 101-109 from Springer

Abstract: Abstract The purpose of this study was to determine whether Micro, Small, and Medium-Sized Enterprises (MSMEs) in the financial technology (Fintech) sector would be interested in implementing peer-to-peer (P2P) financing. Perceived utility, perceived usability, attitudes, and trust were the criteria employed within the Technology Acceptance Model (TAM) framework, which is crucial for determining the effective integration of information technology. Methodology – Primary data were collected using a questionnaire as the primary instrument. The collected data were then analyzed using Smart PLS software with the SEMPLS approach. The study comprised 64 respondents who completed and returned the questionnaires. Finding – The results showed that attitude, trust, and user interest were all significantly impacted by perceived utility, which in turn was influenced by perceived ease of use. Nevertheless, there was no appreciable difference in customer interest levels between perceived effectiveness and simplicity of service. Conclusion – For future research, it is recommended to consider additional variables such as security, effectiveness, and risk. The study results should be subject to review to confirm and validate the conclusions drawn.

Keywords: P2P Lending Fintech; Technology Acceptance Model; MSMEs (search for similar items in EconPapers)
Date: 2024
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DOI: 10.2991/978-94-6463-402-0_12

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