Faktor-faktor yang memengaruhi niat penggunaan fintech pada Generasi Y dan Z di Jabodetabek
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Abstract
The development of financial technology has brought significant changes to the global financial industry. In the era of the Industrial Revolution 4.0, fintech simplifies and accelerates various financial transactions, increases the accessibility of financial services, and promotes financial inclusion. This study aims to explore the factors that influence the adoption of financial technology among generation Y and Z in Indonesia. This study uses a quantitative approach by collecting data through an online questionnaire from 301 respondents. Data analysis was conducted using Structural Equation Modeling (SEM) with the help of Smart PLS 4.0 application. The results showed that perceived usefulness, perceived convenience, social influence, and attitude have a significant and positive influence on the intention to use financial technology.
Perkembangan teknologi finansial telah membawa perubahan signifikan dalam industri keuangan global. Di era Revolusi Industri 4.0, teknologi keuangan mempermudah dan mempercepat berbagai transaksi keuangan, meningkatkan aksesibilitas layanan keuangan, dan mendorong inklusi keuangan. Studi ini bertujuan untuk mengeksplorasi faktor-faktor yang mempengaruhi adopsi teknologi keuangan di kalangan generasi Y dan Z di Indonesia. Penelitian ini menggunakan pendekatan kuantitatif dengan mengumpulkan data melalui kuesioner online dari 301 responden. Analisis data dilakukan menggunakan model Struktural Equation Modeling (SEM) dengan bantuan aplikasi SmartPLS 4.0. Hasil penelitian menunjukkan bahwa persepsi kegunaan, persepsi kemudahan, pengaruh sosial, dan sikap memiliki pengaruh signifikan dan positif terhadap niat menggunakan teknologi keuangan.
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