scholarly journals Perceives Ease of Use, Level of Trust and Knowledge of the Use of Financial Technology

2019 ◽  
Author(s):  
Rinny Meidiyustiani ◽  
. Imelda
Keyword(s):  
Ease Of Use ◽  
Financial Technology

INVESTIGASI NIAT PENGGUNAAN FINANCIAL TECHNOLOGY PAYMENT BAGI USAHA MIKRO KECIL MENENGAH

2021 ◽  
Vol 19 (1) ◽  
pp. 35
Author(s):  
Anissa Hakim Purwantini ◽  
Reza Dea Amalia
Keyword(s):  
Risk Perception ◽  
Small And Medium Enterprises ◽  
Sampling Technique ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Digital Money ◽  
Convenience Sampling ◽  
Medium Enterprises ◽  
Financial Technology

ABSTRACTThe current adoption of financial technology (fintech) payment by Micro, Small and Medium Enterprises (MSMEs) is motivated by the trend of using digital money. The purpose of this study is to test and analyze empirically the factors that influence the intention of SMEs to use fintech payments. This study uses a quantitative method by distributing surveys to 94 MSMEs in the Magelang using convenience sampling technique. The test results with SEM-PLS show that the perceived usefulness and the perception of trust have an effect on attitudes. Risk perception and trust affect the intention to use fintech payment. Meanwhile, for ease of use, perception and risk perception have no effect on attitudes and perceived usefulness. Attitudes have no effect on intentions to use fintech payment. Based on the calculation of the path value, the most powerful factor to influence the intention to use fintech payment is the perception of trust.Keywords: fintech payment, TAM, MSMEABSTRAKAdopsi terkini mengenai pembayaran melalui financial technology (fintech) oleh Usaha Mikro, Kecil dan Menengah (UMKM) dilatarbelakangi oleh tren penggunaan uang digital. Tujuan dari penelitian ini adalah untuk menguji dan menganalisis secara empiris faktor-faktor yang mempengaruhi niat UMKM untuk menggunakan pembayaran fintech. Penelitian ini menggunakan metode kuantitatif dengan menyebarkan survei kepada 94 UMKM di Magelang dengan menggunakan teknik convenience sampling. Hasil pengujian dengan SEM-PLS menunjukkan bahwa persepsi manfaat dan persepsi kepercayaan berpengaruh terhadap sikap. Persepsi risiko dan kepercayaan mempengaruhi niat untuk menggunakan pembayaran fintech. Sedangkan untuk kemudahan penggunaan, persepsi dan persepsi risiko tidak berpengaruh terhadap sikap dan manfaat yang dirasakan. Sikap tidak berpengaruh terhadap niat menggunakan fintech payment. Berdasarkan perhitungan path value, faktor yang paling kuat mempengaruhi niat menggunakan fintech payment adalah persepsi kepercayaan.Kata kunci: fintech payment, TAM, UMKM

scholarly journals Maqāṣid al-Sharīʿah and the Online Banking System: Implications for Service Delivery

2018 ◽  
Author(s):  
International Journal of Fiqh and Usul al-Fiqh Studies
Keyword(s):  
Service Delivery ◽  
Banking System ◽  
Online Banking ◽  
Ease Of Use ◽  
Essential Services ◽  
Cost Implications ◽  
Financial Transactions ◽  
Ideal Practice ◽  
Financial Technology ◽  
The Ideal

One of the Sharīʿah’s requirements in conducting transactions is realising the Maqāṣid al-Sharīʿah. The Modern online banking system is very common to everyone, so it is considered as al-ʿUrf or al-ʿādah (common practice or custom) under the Sharīʿah. However, its practice is surrounded with security concerns, ease of use, and trust and cost implications that need observance of some Sharīʿah rulings. This qualitative analytic study uses the framework for the Maqāṣid al-Sharīʿah to explicate the ideal practice of online banking in service delivery to realize the Maqāṣid al-Sharīʿah. While Islam places more attention on the essential needs, online banking should as well be intended to provide essential services to customers and remove hardship in financial transactions. Banks should hence desist from causing any harm through the charging of hidden fees, causing more confusion to their clients, and even devising deceptive means that lead to the charging of ribā. Instead, banks should use online services to introduce means that promote the realization of the Maqāṣid al-Sharīʿah. This paper stresses the importance of financial technology in realising the Maqāṣid al-Sharīʿah.

scholarly journals THE EFFECT OF TECHNOLOGICAL AND BEHAVIORAL ON THE ADOPTION OF THE SHOPEEPAY MOBILE PAYMENT

2021 ◽  
Vol 2 (2) ◽  
pp. 106
Author(s):  
Fitri Novika ◽  
Renofia Desia Halim ◽  
Antonius Budhiman Setyawan
Keyword(s):  
Social Influence ◽  
Behavioral Intention ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Perceived Ease Of Use ◽  
Actual Use ◽  
Behavioral Attributes ◽  
Positive Effect ◽  
Financial Technology

This study aims to examine the effect of technological and behavioral attributes on the adoption attributes of the ShopeePay mobile payment application in Indonesia. The application is known as financial technology (fintech), which combines information technology and financial systems. The approach used in this research is a quantitative approach that was processed using SPSS and AMOS. Data collection in this research was done by distributing online questionnaires using a google form to ShopeePay users who used the application in the past month. The results of this study indicate that behavioral intention and social influence variables have an effect on actual use, perceived usefulness and perceived ease of use have an effect on behavioral intention, perceived ease of use and responsiveness have a positive effect on perceived usefulness, and responsiveness and security variables have a positive effect on perceived ease of use, also has a positive effect on social influence.

Acceptance of Islamic financial technology (FinTech) banking services by Malaysian users: an extension of technology acceptance model

foresight ◽  
2020 ◽  
Vol 22 (3) ◽  
pp. 367-383 ◽  
Author(s):  
Imran Mehboob Shaikh ◽  
Muhammad Asif Qureshi ◽  
Kamaruzaman Noordin ◽  
Junaid Mehboob Shaikh ◽  
Arman Khan ◽  
...  
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Consumer Innovativeness ◽  
Banking Services ◽  
Content Type ◽  
Acceptance Model ◽  
Financial Technology

Purpose This paper aims to examine the determinants that influence bank users’ acceptance for Islamic financial technology (FinTech) services by extending the technology acceptance model (TAM) in the Malaysian context. Design/methodology/approach The survey was conducted using convenience sampling. Moreover, 205 responses were gathered from users of the Islamic bank. On the same note, the literature on determinants of Islamic FinTech acceptance and TAM was reviewed as well in a bid to contribute to the factors that are instrumental in determining the acceptance of FinTech services. Findings Findings of the study reveal that Islamic FinTech’s services acceptance is determined by perceived ease of use, perceived usefulness and also by another variable, which is consumer innovativeness (CI). On the contrary other factors, self-efficacy and subjective norms are found not to be influential in determining Islamic FinTech’s acceptance by Islamic banking users. Originality/value TAM is extended in the context of Islamic FinTech. A new variable, namely, CI is tested using TAM. CI is yet to be tested, therefore, this paper will be a useful reference for the policymakers, academicians and future researchers.

scholarly journals PENGARUH PERSEPSI KEMUDAHAAN DAN PERSEPSI MANFAAT TERHADAP NIAT PENGGUNAAN TEKNOLOGI KEUANGAN SEBAGAI ALAT PEMBAYARAN

2020 ◽  
Vol 3 (1) ◽  
pp. 46
Author(s):  
Yacobo P Sijabat ◽  
Heni Hirawati ◽  
Axel Giovanni
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Ease Of Use ◽  
Primary Data ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Regression Methods ◽  
Acceptance Model ◽  
Main Model ◽  
Financial Technology

The technology applied by companies in transactions must pay attention to aspects of behavior. Researchers use the Technology Acceptance Model (TAM) as the main model of research. The researcher's goal is to determine the effect of several Technology Acceptance Model (TAM) variables on the intention to use financial technology as a means of payment. The data used by researchers are data from 118 students of the Faculty of Economics, Tidar University. Researchers use primary data by distributing questionnaires to students to determine the effect of each variable studied. The validity test used by researchers is the Corrected Item-Total Correlation value, while for the reliability test the Cronbach Alfa Test is used. Researchers use multiple linear regression methods in analyzing data and variables. Researchers found that the effect of perceived ease of use and perceived benefits on the intention to use financial technology in simultaneous transactions and had a significant effect. Likewise, partially, for each variable influences the intention to use financial technology in transactions and reliability.

scholarly journals ANALISA PENGARUH PERCEIVED EASE OF USE TERHADAP BEHAVIOR INTENTION MELALUI PERCEIVED USEFULNESS SEBAGAI MEDIA INTERVENING PADA DIGITAL PAYMENT OVO

2021 ◽  
Vol 15 (1) ◽  
pp. 20-27
Author(s):  
Michaela Louisa Muliadi ◽  
Edwin Japarianto
Keyword(s):  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Behavior Intention ◽  
Financial Technology

Kemajuan teknologi serta informasi membuat segala sesuatu menjadi lebih mudah untuk dilakukan sehingga menyebabkan adanya perubahan gaya hidup masyarakat. Salah satu penerapan perkembangan teknologi yang terjadi di Indonesia yaitu munculnya perusahaan FinTech (financial technology) yang telah menciptakan metode pembayaran baru yaitu melalui E-Wallet.  Penelitian ini bertujuan untuk menganalisis pengaruh dari perceived ease of use terhadap behavior intention dengan perceived usefulness sebagai variabel intervening pada E-Wallet OVO. Hasil dari penelitian ini membuktikkan bahwa kemudahan serta manfaat yang dirasakan individu dalam menggunakan teknologi informasi akan memicu timbulnya niat individu untuk menggunakan teknologi informasi tersebut.

scholarly journals Analysis Of Factors Affecting Adoption Of Financial Technology Application

SENTRALISASI ◽  
2021 ◽  
Vol 10 (1) ◽  
pp. 57
Author(s):  
Chalimatuz Sa'diyah
Keyword(s):  
New Technology ◽  
Data Interpretation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Factors Affecting ◽  
Technology Application ◽  
Behavior Intention ◽  
Global Science ◽  
Financial Technology

Financial technology has been an invaluable instructional material in the global science and technology trend and is the target of new technology applications of great business potential. This study aims to analyze the influence of brand and service trust, perceived usefulness, perceived ease of use on behaviour intention through attitude on fintech users. This research method uses purposive sampling method with the criteria of entrepreneurs using financial technology and located in Malang city. The number of samples used in this study was 160 respondents. Data interpretation using the Smart PLS3 system for analysis. The results showed that brand and service trust affects attitude. Perceived usefulness affects attitude. Perceived ease of use affects attitude. Attitude affects to Behavior Intention. Attitude variable can mediate the influence of Brand and Service Trust, Perceived Usefulness and Perceived Ease of Use on Behavior Intention. The Sobel test results show that the bigger indirect effect is the influence of Brand and Service Trust on Behavior Intention through Attitude.

scholarly journals Indonesian Consumers’ Intention of Adopting Islamic Financial Technology Services

2020 ◽  
Vol 5 (2) ◽  
pp. 171
Author(s):  
Anissa Hakim Purwantini ◽  
Fauzul Hanif Noor Athief ◽  
Faqiatul Mariya Waharini
Keyword(s):  
Online Survey ◽  
Behavioral Control ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Behavioral Control ◽  
Perceived Ease Of Use ◽  
Basic Model ◽  
Technology Services ◽  
Market Needs ◽  
Financial Technology

With the rise of Halal Lifestyle in the digital era, Islamic Financial Technology (henceforth FinTech) has increasingly become impactful to economic growth. Islamic FinTech companies are in a dire need to figure out factors that influence the adoption and acceptance of the technology to promote their business. Addressing the issue, this study examines consumers’ intention of using Islamic Fintech services. An online survey was employed to elicit the required data from 75 Indonesian consumers of Islamic FinTech services. The results of data analysis by means of SEM-PLS depicted that perceived usefulness and interpersonal influence were two key factors driving the consumers to use Islamic FinTech services. The results further revealed that compatibility positively influenced perceived usefulness and perceived ease of use, which in turn, affected the consumers’ attitude. Moreover, it was also noted that attitude and internet self-efficacy as perceived behavioral control in decomposition of theory of planned behavior had no significant impact on consumers’ intention. The results of this study theoretically provide a basic model of consumers’ intention in the context of Islamic FinTech. At the same time, FinTech industry users can use the results of the present study as references to come up with appropriate strategy to deal with the market needs.

scholarly journals The Influence of Trust, Usability, and Perceived Ease of Use of Financial Technology on Student Behavior Intention of Economic Faculty, UISU Medan

2020 ◽  
Vol 2 (1) ◽  
pp. 359-366
Author(s):  
Safrida ◽  
Yusrita
Keyword(s):  
Student Behavior ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Positive Influence ◽  
Ease Of Use ◽  
Perceived Ease Of Use ◽  
Behavior Intention ◽  
Problem Formulations ◽  
Financial Technology ◽  
Economic Faculty

The problem formulations of study is: How is the influence of Trust, Usability and Perception of Ease Financial Technology Usages on Student Behavior Intention of Economic Faculty, UISU Medan. The purpose of this study is to analyze the influence of Trust, Usability and Perception of Ease Financial Technology Usages on Student Behavior Intention of Economic Faculty, UISU Medan. The population in this study was 332 students of semester 5 (five). The sample in this study were 77 students of semester 5 (five). By using descriptive data analysis techniques and multiple linear regression analysis, then: The Trust Variables partially have a positive influence on Student Behavior Intention of Economic Faculty, UISU Medan. The Usability variable partially has a positive influence on Student Behavior Intention of Economic Faculty, UISU Medan. The Perceived Ease of Use variable partially has an influence on Student Behavior Intention of Economic Faculty, UISU Medan. The variables of Trust, Usability and Perceived Ease of Use simultaneously had a positive influence on Student Behavior Intention of Economic Faculty, UISU Medan. The value of Determination in this study was 0.522. This shows that 52.2% of Behavioral Intentions variables can be explained by the variables of Trust, Usability and Perceived Ease of Use, the remaining 47.8% is influenced by other factors not done in the study.

FinTech in the Kingdom of Bahrain

2021 ◽  
pp. 174-190
Author(s):  
Hayat Ali ◽  
Reem Al Kaabi ◽  
Hussain Mansoor Ali ◽  
Hussain Sami Ahmed ◽  
Mohammed Naser
Keyword(s):  
Service Quality ◽  
User Satisfaction ◽  
Information Quality ◽  
Quality System ◽  
Ease Of Use ◽  
Significant Positive Effect ◽  
System Quality ◽  
Public And Private ◽  
Positive Effect ◽  
Financial Technology

Financial technology (FinTech) has developed rapidly over the last decade. In the Kingdom of Bahrain, both public and private sectors have adopted FinTech in different ways. The objective of this research is to explore and assess Bahraini users' adoption of and satisfaction with FinTech services. A model was built to quantify FinTech users' satisfaction. and a questionnaire was used to collect data; 319 responses were returned. The outcome was that all the factors investigated, accessibility, ease of use, completeness, accuracy, security, reliability, responsiveness, service quality, system quality, and information quality, have a significant positive effect on user satisfaction. The contribution of this research is the model of satisfaction for FinTech that can be applied in different countries. The proposals recommended by the authors will also inform government and concerned organizations about FinTech in Bahrain for greater user satisfaction.

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