Abstract
AbstractBased upon an extended Technology Acceptance Model (TAM), this study aims to investigate the factors influencing the behavioral intention to adopt Fintech from the perspective of Indonesian women. The research data were collected from 409 Indonesian female respondents and analyzed using the SEMinR statistical data analysis tool. Structural equation modeling (SEM) was used to assess this research’s measurement model and structural model. The result shows that perceived usefulness, perceived ease of use, user innovativeness, attitude, trust, and brand image significantly positively impact behavioral intention to adopt Fintech among Indonesian women. Meanwhile, perceived ease of use, financial literacy, and government support are found to have indirect relationships with behavioral intention. In addition, moderation analysis revealed that the saving habits of women during the COVID-19 pandemic reduced the relationship between their innovativeness and behavioral intention to adopt Fintech. Based on these results, we recommend practical suggestions to the government, policymakers, and aspiring Fintech service providers further to enhance women’s empowerment through digital financial inclusion.
Funder
Hungarian University of Agriculture and Life Sciences
Publisher
Springer Science and Business Media LLC
Reference108 articles.
1. Abdul-Halim, N.A., A. Vafaei-Zadeh, H. Hanifah, A.P. Teoh, and K. Nawaser. 2022. Understanding the Determinants of e-wallet Continuance Usage Intention in Malaysia. Quality & Quantity 56: 3413–3439.
2. Achtziger, A., M. Hubert, P. Kenning, G. Raab, and L. Reisch. 2015. Debt Out of Control: The Links Between Self-control, Compulsive Buying, and Real Debts. Journal of Economic Psychology 49: 141–149.
3. Agyei, J., S. Sun, E. Abrokwah, E.K. Penney, and R. Ofori-Boafo. 2020. Mobile Banking Adoption: Examining the Role of Personality Traits. SAGE Open 10 (2): 1–15.
4. Ajzen, I. 1993. Attitude theory and the attitude-behavior relation. In New Directions in Attitude Measurement, ed. D. Krebs and P. Schmidt, 41–57. Walter de Gruyter: Berlin, Germany.
5. Akinwale, Y.O., and A.K. Kyari. 2022. Factors Influencing Attitudes and Intention to Adopt Financial Technology Services Among the end-users in Lagos State, Nigeria. African Journal of Science, Technology, Innovation and Development 14 (1): 272–279.
Cited by
1 articles.
订阅此论文施引文献
订阅此论文施引文献,注册后可以免费订阅5篇论文的施引文献,订阅后可以查看论文全部施引文献
1. Women's Financial Inclusion;Advances in Finance, Accounting, and Economics;2023-10-25