Record Details

The influence of familiarity and personal innovativeness on the acceptance of fintech lending services: A perspective from Indonesian borrowers

Register: Jurnal Ilmiah Teknologi Sistem Informasi

View Archive Info
 
 
Field Value
 
Title The influence of familiarity and personal innovativeness on the acceptance of fintech lending services: A perspective from Indonesian borrowers
 
Creator Wirani, Yekti
Randi, Randi
Romadhon, Muh Syaiful
Suhendi, Suhendi
 
Subject familiarity; Financial Technology; FinTech; FinTech lending; personal innovativeness
 
Description Financial Technology (FinTech) Lending in Indonesia is an innovative solution for financial services in Indonesia because it has convenience and benefits for Indonesians who need loans, fund management, and other financial transaction activities. FinTech Lending is growing fast because it offers reasonable interest rates and access to conventional financial institutions. The growth of FinTech Lending is expected to support financial inclusion planned by the Indonesian government. In 2020, 126 FinTech Lending Companies were operating illegally by exploiting communities experiencing economic difficulties. This study aims to determine the factors that influence the adoption of FinTech services in Indonesia, considering obstacles and occasions. Factors related to obstacles are Trust and Security in Online Lending platforms, while factors related to occasions are Personal Innovativeness, Interest Rate, and Familiarity. This study used a sampling technique, namely purposive sampling, and involved 85 respondents from Indonesian Borrowers with the age majority between 20 to 25 years old. Processes data obtained from survey results using Partial Least Square-Structural Equation Modeling (PLS-SEM). The results are that Familiarity and Personal Innovativeness affect the acceptance of FinTech Lending companies in Indonesia. In addition, it produces guidance for the improvement of FinTech Lending Companies in Indonesia, which be used to develop and support financial inclusion in Indonesia.
 
Publisher Information Systems - Universitas Pesantren Tinggi Darul Ulum
 
Contributor —
 
Date 2021-07-31
 
Type info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
Peer-reviewed Article
 
Format application/pdf
 
Identifier https://journal.unipdu.ac.id/index.php/register/article/view/2327
10.26594/register.v8i1.2327
 
Source Register: Jurnal Ilmiah Teknologi Sistem Informasi; Vol 8, No 1 (2022): January; 81-93
Register: Jurnal Ilmiah Teknologi Sistem Informasi; Vol 8, No 1 (2022): January; 81-93
2502-3357
2503-0477
10.26594/register.v8i1
 
Language eng
 
Relation https://journal.unipdu.ac.id/index.php/register/article/view/2327/pdf
https://journal.unipdu.ac.id/index.php/register/article/downloadSuppFile/2327/321
https://journal.unipdu.ac.id/index.php/register/article/downloadSuppFile/2327/322
https://journal.unipdu.ac.id/index.php/register/article/downloadSuppFile/2327/336
 
Rights Copyright (c) 2022 The Authors
http://creativecommons.org/licenses/by-nc-sa/4.0