Pengaruh Financial Behavior dan Financial Attitude terhadap Penggunaan Layanan Fintech di Indonesia
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Abstract
This study describes the impacts of financial behavior and financial attitude towards the constructs in the Technology Acceptance Model and its implication towards the attitude of using fintech services in Indonesia. Variables adopted from the technology acceptance model are perceived ease of use, perceived usefulness, and attitude towards using. Descriptive quantitative research was conducted by collecting data using an online questionnaire survey using a google form, which was then analyzed by using the structural equation model method through SmartPLS software. The results showed that financial behavior and financial attitude has an impact on customers' attitude towards using financial technology services in Indonesia. Therefore, this study may be able to provide insights for financial institutions to design, maintain or increase application’s ease of use and usefulness in fulfilling customers' financial behavior and financial attitude-related activities efficiently and effectively.
Penelitian ini bertujuan untuk mendeskripsikan pengaruh sikap dan perilaku keuangan terhadap konstruk technology acceptance model dan implikasinya terhadap penggunaan layanan fintech di Indonesia. Beberapa variabel yang diadopsi dari technology acceptance model sendiri antara lain persepsi kemudahan, persepsi kegunaan, dan sikap terhadap penggunaan. Penelitian ini menggunakan jenis penelitian dengan pendekatan deskriptif kuantitatif dengan sumber data yang dikumpulkan menggunakan kuesioner online melalui media Google Form yang berisikan pertanyaan kepada para sampel yang menggunakan scaling questions yang kemudian akan dianalisis dengan menggunakan metode structural equation model (SEM) melalui aplikasi SmartPLS. Hasil dari penelitian ini adalah memberikan informasi bahwa sikap dan perilaku keuangan dari individu memiliki pengaruh terhadap sikap masyarakat dalam menggunakan layanan fintech di Indonesia yang bisa digunakan oleh institusi keuangan sebagai sumber dalam merancang, menjaga, atau meningkatkan aplikasi yang mudah dan bermanfaat bagi konsumen dalam memenuhi kebutuhannya yang berkaitan dengan perilaku dan sikap keuangan secara efektif dan efisien.
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