The Mobile Payment Fintech Continuance Usage Intention in Indonesia

Putritama, Afrida

doi:10.21831/economia.v15i2.26403

Cited by 35 publications

(40 citation statements)

References 31 publications

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“…Research related to people's intention to use FinTech digital payment services was carried out by Putritama [10] with the condition that respondents, who are mostly millennials, have used this service. He then compiled a conceptual framework to find out the relationship between perceived benefits represented by three factors, namely economic benefits, convenience, and seamless transactions as well as the perceived risk with three factors: financial risk, legal risk, and security risk toward people's intention to use FinTech payment services.…”

Section: Introductionmentioning

confidence: 99%

“…This means that the convenience and benefits offered attract public interest in addition to the influence of other people who have already used the service which attracts the public as well. Putritama [10] and Hatmawan [15] then also agreed that ease of use can also play a role in attracting the interest of the millennial generation, which shows this generation wants services that are easy, simple, and fast to use. Moreover, Hatmawan [15] recommends that FinTech payment service providers create applications with features that are easy to understand and learn so that users are more interested in using them.…”

Section: Introductionmentioning

confidence: 99%

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Factors Influencing Generation Z Intention in Using FinTech Digital Payment Services

Aseng

2020

CogITo Smart Journal

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Many studies related to financial technology (FinTech), especially digital payment services, have been carried out. However, there is still a lack of studies that focus on Generation Z, especially their intention to use the service, while this generation is very familiar and is easily adaptable to new technologies. In addition, it is projected that this generation will contribute greatly to online transactions in Indonesia and even the world. For this reason, this study focuses on factors that can influence Generation Z’s intention to use digital payment services. There are five independent factors that will be tested, namely: culture, perceived security, performance expectancy, effort expectancy, and social influence. The research instrument was a questionnaire adopted from related literature, which was distributed online using the snowball and convenient sampling method. A total of 266 Generation Z people participated in this study. A descriptive statistic and multiple regression analysis were performed and found that simultaneously these five factors had a significant positive effect (Sig <.05) on the intention of Generation Z in using the service. This study concludes that service providers have to pay attention to these factors in attracting Generation Z.Keywords—digital payment services, financial technology, Generation Z

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Section: Introductionmentioning

confidence: 99%

Section: Introductionmentioning

confidence: 99%

Factors Influencing Generation Z Intention in Using FinTech Digital Payment Services

Aseng

2020

CogITo Smart Journal

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“…From the point of view of many consumers, payment by credit cards will ease them through mobile wallet (e-wallet), which aims to simplify the transaction process and improve customer services (Kang, 2018). The convenience factor derived from the fintech system eventually increases the users' performance as many transactions can be performed remotely, expanding the technology's adoption (Putritama, 2019). The intermediaries, such as banks or other financial institutions, are no longer required with Fintech payment services as users can independently manage their finances (Putritama, 2019).…”

Section: Fintech Benefits and Challengesmentioning

confidence: 99%

“…The convenience factors of Fintech become one of the more vital determinants to influence the adoption of Fintech among users, whereby they can use financial-based services easily anytime and at any place. The convenience provided by the system eventually increases the users' performance as many transactions can be performed remotely, which increase the adoption of the technology (Putritama, 2019).…”

Section: Introductionmentioning

confidence: 99%

A Flourishing Fintech Ecosystem: Conceptualization and Governing Issues in Malaysia

Urus

Mohamed

2021

BER

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Transforming business transactions from the old "bricks and mortar" physical transaction to "click and order" via digital devices gave birth to financial technology or Fintech. Fintech has arguably democratized financial services, allowing non-traditional firms to enter the space. Fintech refers to digital technologies that integrate various forms of technology, including Blockchain, Robo-advisors, Crowdfunding, Big Data, Peer-to-peer (P2P) lending and intelligent investment consulting in the financial sector. Nonetheless, the Fintech research topic in developing countries like Malaysia is still at the nascent stage. The previous literature has recognized the Fintech evolvement, features, and effect but has not yet provided a comprehensive conceptualization and manifestation. The governing issues of Fintech are also still worth further investigation. Based on the fintech literature review, this paper explores the Fintech conceptualization and its governing issues in-depth. The study will contribute to understanding Fintech, its manifestation, and how Fintech evolves. This concept paper also shed some light on Fintech research areas by identifying the governing issues surrounding Fintech implementation. From the practical perspective, the contribution is a recommendation on how the Fintech application could be utilized optimally by the Fintech companies that would positively impact the Malaysia ecosystem and contribute to the national agenda.

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“…The consumer credit market in Indonesia tripled by 1,115,092 billion rupiah in the last 10 years, from 2010-2020 (Global Economy, 2020). Financial risk is an important factor that affects perceived risk (Putritama, 2019), and Indonesian consumers who are interested in buying products on credit have a risk taker characteristic (Adiyanto et al, 2017). However, not many link the Indonesian consumer credit market with the adoption of new products and consumer innovativeness.…”

Section: Introductionmentioning

confidence: 99%

Impact of consumer innovativeness on risk and new product adoption: a moderating role of Indonesia’s demographic factors

Triwijayati

Melany

Wijayanti

2020

Innovative Marketing

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Consumer innovativeness is an important driver of economic progress and a country’s position in global competition. This study aims to examine the moderating effect of demographic factors of Indonesian consumers on the impact of consumer innovativeness on perceived risk and new product adoption. The type of research chosen is a causal comparative study by using online and offline survey methods. Data were obtained from a sample of 1,000 consumers from 31 provinces. The results showed that the demographic variable became a moderating variable for the impact of consumer innovativeness on new product adoption, but did not play a role in the influence of consumer innovativeness on credit-purchase risk perception. With regard to the influence of consumer innovativeness on credit-purchase risk perception, only social class has a significant effect as a moderating variable. As for the effect of consumer innovativeness on a new product adoption, the variables of marital status, occupation, income, and social class have significant effects. The social class variable consistently becomes a moderating one in both equations. The results of this study are useful for marketers to focus more specifically on their target markets, especially on the diffusion of new product innovations based on demographic characteristics. AcknowledgmentPDUPT Research Grant by Ministry of Research and Technology of The Republic of Indonesia, 2019.

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The Mobile Payment Fintech Continuance Usage Intention in Indonesia

Cited by 35 publications

References 31 publications

Factors Influencing Generation Z Intention in Using FinTech Digital Payment Services

Factors Influencing Generation Z Intention in Using FinTech Digital Payment Services

A Flourishing Fintech Ecosystem: Conceptualization and Governing Issues in Malaysia

Impact of consumer innovativeness on risk and new product adoption: a moderating role of Indonesia’s demographic factors

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