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FinTech rises as a faster, easier, and cheaper alternative to conventional financial products and services in Indonesia. The largest FinTech sub-segment in Indonesia is payment systems, representing over 30% of overall FinTech startup community. Consumer confidence and trust are essential to acquire and retain users and increase transaction volumes for FinTech companies. Therefore, in the expectation that a better understanding of factors that shape consumer behavior can promote the development of FinTech payment system, the goal of this research was to examine consumer perceived risks and trust in FinTech payment systems in Indonesia. The data generated from 175 respondents were analyzed using the Structural Equation Modeling (SEM). Using trust as the mediating variable, this research concludes that there is a significant relationship between perceived risk and intention to use Fintech payments. Perceived ease of use is also found to be the antecedent of trust. In addition to that, this study also suggests that consumer trust and intention have positive impacts on a good evaluation of FinTech payment with objective opinions on the future of FinTech payment.

The increasing role of individual investors in supporting the achievement of sustainable development goals through sustainable investment has gained growing interest from financial authorities and the research community. Digitalization in the financial sector, e.g., robo-advisors, enables lay-investors to make sustainable investments in a simple and convenient way. This study investigates whether investment-related attitudes and demographic profiles are related to robo-advisor clients’ sustainable investment choices. This paper describes an empirical study that uses a logistic regression model to investigate sustainable investment preferences at the individual investor level. Cross-sectional data consisting of 27,771 individual investors in Sweden, Norway, and Finland, who purchased investment products through a robo-advisor application, are used in this study. The results suggest that, concerning investment-related attitudes, robo-advisor clients with low-risk tolerance and a short investment horizon are more likely to choose to become sustainable investors. Furthermore, sustainable investments are preferred by robo-advisor clients who are less wealthy, female, and older.

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