MENDORONG TRANSFORMASI DIGITAL UMKM: ANALISIS FAKTOR-FAKTOR YANG MEMENGARUHI NIAT ADOPSI FINTECH DI INDONESIA
DOI:
https://doi.org/10.22437/jmk.v14i2.44970Abstract
Penelitian ini bertujuan untuk mengidentifikasi dan menganalisis faktor-faktor yang memengaruhi niat adopsi teknologi finansial (fintech) di kalangan Usaha Mikro, Kecil, dan Menengah (UMKM) di Indonesia. Seiring dengan pesatnya perkembangan layanan fintech, pemahaman yang mendalam mengenai faktor-faktor yang mendorong maupun menghambat adopsi teknologi ini menjadi krusial untuk meningkatkan inklusi keuangan dalam sektor UMKM. Penelitian ini mengadopsi pendekatan kuantitatif dengan menerapkan metode Partial Least Squares Structural Equation Modeling (PLS-SEM) untuk menganalisis data yang diperoleh melalui kuesioner yang disebarkan kepada 300 responden yang merupakan pelaku UMKM di berbagai kota. Variabel yang diteliti mencakup persepsi kegunaan (PU), persepsi kemudahan (PEU), pengaruh sosial (SI), rasa aman (SF), dan literasi keuangan digital (DFL) serta variabel kontrol seperti tingkat pendidikan-EL, usia-AGE, dan domisili-DOM. Dengan demikian, hasil penelitian ini diharapkan dapat berkontribusi pada pengembangan ekosistem fintech yang lebih inklusif dan berkelanjutan di Indonesia.
Downloads
References
Abdul-Halim, N.-A., Vafaei-Zadeh, A., Hanifah, H., Teoh, A.P., Nawaser, K., 2022.
Understanding the determinants of e-wallet continuance usage intention in Malaysia.
Qual. Quant. 56 (5), 3413–3439. https://doi.org/10.1007/s11135-021-01276-7
Agyei, J., Sun, S., Abrokwah, E., Penney, E.K., Ofori-Boafo, R., 2020. Mobile banking
adoption: examining the role of personality traits, 215824402093291 SAGE Open 10
(2). https://doi.org/10.1177/2158244020932918
Alam, A., Tri Ratnasari, R., Mua’awanah, C., & Aribatul Hamidah, R. (2022). Generation Z perceptions in paying Zakat, Infaq, and Sadaqah using Fintech: A comparative study of Indonesia and Malaysia. Investment Management and Financial Innovations, 19(2), 320–330. https://doi.org/10.21511/imfi.19(2).2022.28
Arora, R.U., 2020. Digital Financial Services to Women: Access and Constraints. In:
Arora, R.U. (Ed.), Gender Bias and Digital Financial Services in South Asia. Emerald
Publishing Limited, pp. 51–72. https://doi.org/10.1108/978-1-83867-855-520201004
Baba, M. A., Haq, Z. U., Dawood, M., & Aashish, K. (2023). FinTech Adoption of Financial Services Industry: Exploring the Impact of Creative and Innovative Leadership. Journal of Risk and Financial Management, 16(10), 453. https://doi.org/10.3390/jrfm16100453
Bajunaied, K., Hussin, N., & Kamarudin, S. (2023). Behavioral intention to adopt FinTech services: An extension of unified theory of acceptance and use of technology. Journal of Open Innovation: Technology, Market, and Complexity, 9(1), 100010. https://doi.org/10.1016/j.joitmc.2023.100010
Chandran, D., Alammari, A.M., 2021. Influence of culture on knowledge sharing attitude
among academic staff in eLearning virtual communities in Saudi Arabia. Inf. Syst.
Front. 23, 1563–1572.
Chawla, D., Joshi, H., 2023. Role of Mediator in Examining the Influence of Antecedents
of Mobile Wallet Adoption on Attitude and Intention. Glob. Bus. Rev. 24 (4),
609–625. https://doi.org/10.1177/0972150920924506
Choi, H.-S., & Loh, R. K. (2024). Physical Frictions and Digital Banking Adoption. Management Science, 70(10), 6597–6621. https://doi.org/10.1287/mnsc.2023.4972
Choung, Y., Chatterjee, S., Pak, T.-Y., 2023. Digital financial literacy and financial wellbeing. Financ. Res. Lett. 58, 104438 https://doi.org/10.1016/j.frl.2023.104438
Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 13(3), 319. https://doi.org/10.2307/249008
Dorfleitner, G., Hornuf, L., Schmitt, M., & Weber, M. (2017). FinTech in Germany. Springer International Publishing. https://doi.org/10.1007/978-3-319-54666-7
Hoque, M. Z., Chowdhury, N. J., Hossain, A. A., & Tabassum, T. (2024). Social and facilitating influences in fintech user intention and the fintech gender gap. Heliyon, 10(1), e23457. https://doi.org/10.1016/j.heliyon.2023.e23457
Hair, J. F., Black, W. C., Babin, B. J., & Anderson, R. E. (2019). Multivariate Data Analysis. 8th Edition. Pearson Education.
Igamo, A. M., Rachmat, R. A., Siregar, M. I., Gariba, M. I., Cherono, V., Wahyuni, A. S., & Setiawan, B. (2024). Factors influencing Fintech adoption for women in the post-Covid-19 pandemic. Journal of Open Innovation: Technology, Market, and Complexity, 10(1), 100236. https://doi.org/10.1016/j.joitmc.2024.100236
Iman, N. (2018). Assessing the dynamics of fintech in Indonesia. Investment Management and Financial Innovations, 15(4), 296–303. https://doi.org/10.21511/imfi.15(4).2018.24
Jain, K., Chowdhary, R., 2021. A Study on Intention to Adopt Digital Payment Systems in
India: Impact of COVID-19 Pandemic. Asia Pac. J. Inf. Syst. 31 (1), 76–101.
Kim, H. (2024). An empirical analysis of navigation behaviors across stock and cryptocurrency trading platforms: Implications for targeting and segmentation strategies. Electronic Commerce Research, 24(3), 2113–2141. https://doi.org/10.1007/s10660-022-09612-1
Lusardi, A., & Mitchell, O. S. (2014). The Economic Importance of Financial Literacy: Theory and Evidence. Journal of Economic Literature, 52(1), 5–44. https://doi.org/10.1257/jel.52.1.5
Mascarenhas, A., Perpétuo, C., Barrote, E., & Perides, M. (2021). The Influence of Perceptions of Risks and Benefits on the Continuity of Use of Fintech Services. Brazilian Business Review, 18(1), 1–21. https://doi.org/10.15728/bbr.2021.18.1.1
Moh. Asep Zakariya Ansori, M. Wanri Wahyudin, Neng Ila Nurbaet, Muhamad Rama Isagozi, Siti Azkya Diva, Nadina Amira Zahra, Guslianti Nur, Muhammad Yusuf, & Muhammad Tabroni. (2024). Analisis Literasi Keuangan Penggunaan Fintech Payment Bagi Pelaku Usaha UMKM. Economic Reviews Journal, 3(1), 210–225. https://doi.org/10.56709/mrj.v3i1.130
Nani, D. A., & Lina, L. F. (2020). Kekhawatiran Privasi pada Kesuksesan Adopsi FinTech menggunakan Model DeLone dan McLean. Performance, 27(1), 60. https://doi.org/10.20884/1.jp.2020.27.1.2250
Ngoc Bich DO, & Hai Ninh Thi DO. (2020). An investigation of Generation Z’s Intention to use Electronic Wallet in Vietnam. Journal of Distribution Science, 18(10), 89–99. https://doi.org/10.15722/JDS.18.10.202010.89
Niswah, F. M., Mutmainah, L., & Legowati, D. A. (2019). MUSLIM MILLENNIAL’S INTENTION OF DONATING FOR CHARITY USING FINTECH PLATFORM. Journal of Islamic Monetary Economics and Finance, 5(3), 623–644. https://doi.org/10.21098/jimf.v5i3.1080
Nugraha, D. P., Setiawan, B., Emilda, E., Masyhuri, M., Quynh, M. N., Nathan, R. J., Fekete‐Farkas, M., & Hágen, I. (2024). Role of Financial Literacy and Saving Habits on Fintech Adoption post Covid-19. ETIKONOMI, 23(1), 63–80. https://doi.org/10.15408/etk.v23i1.37856
Nugraha, H., & Putriani, S. (2023). Does Fintech Lending And ICT Development Index Affect Poverty? Evidence From Indonesia. Jurnal Reviu Akuntansi Dan Keuangan, 13(1), 171–184. https://doi.org/10.22219/jrak.v13i1.25921
Odei-Appiah, S., Wiredu, G., & Adjei, J. K. (2022). Fintech use, digital divide and financial inclusion. Digital Policy, Regulation and Governance, 24(5), 435–448. https://doi.org/10.1108/DPRG-09-2021-0111
Ojiaku, O. C., Ezenwafor, E. C., & Osarenkhoe, A. (2024). Integrating TTF and UTAUT models to illuminate factors that influence consumers’ intentions to adopt financial technologies in an emerging country context. International Journal of Technology Marketing, 18(1), 113–135. https://doi.org/10.1504/IJTMKT.2024.135674
Pande, S., Shahid Mazhar, S., Sardar Khan, F., Ali Khan, B., Haque, E., & Ahmad Mir, M. (2024). EXPLORING TWO DECADES OF PERSONAL FINANCIAL PLANNING: A SYSTEMATIC LITERATURE REVIEW. Financial and Credit Activity Problems of Theory and Practice, 4(57), 519–530. https://doi.org/10.55643/fcaptp.4.57.2024.4470
Rabaai, A. A., Maati, S. A. A., Muhammad, N. B., & Eljamal, E. M. (2024). Understanding mobile payments through the lens of innovation resistance and planned behavior theories. Uncertain Supply Chain Management, 12(1), 45–64. https://doi.org/10.5267/j.uscm.2023.10.018
Ravikumar, T., Suresha, B., Prakash, N., Vazirani, K., Krishna, T.A., 2022. Digital
financial literacy among adults in India: Measurement and validation. Cogent Econ.
Financ. 10 (1), 2132631 https://doi.org/10.1080/23322039.2022.2132631
Singh, S., Sahni, M.M. and Kovid, R.K. (2020), "What drives FinTech adoption? A multi-method evaluation using an adapted technology acceptance model", Management Decision, Vol. 58 No. 8, pp. 1675-1697. https://doi.org/10.1108/MD-09-2019-1318
Tajul Urus, S., Kurniasari, F., Syed Mustapha Nazri, S. N. F., Utomo, P., Othman, I. W., Jimmy, S. Y., & Abd Hamid, N. (2022). A comparative study of fintech payment services adoption among malaysian and indonesian fresh graduates: Through the lens of UTAUT theory. Eastern-European Journal of Enterprise Technologies, 5(13 (119)), 73–88. https://doi.org/10.15587/1729-4061.2022.265662
Talwar, S., Dhir, A., Khalil, A., Mohan, G., & Islam, A. K. M. N. (2020). Point of adoption and beyond. Initial trust and mobile-payment continuation intention. Journal of Retailing and Consumer Services, 55, 102086. https://doi.org/10.1016/j.jretconser.2020.102086
Venkatesh, Morris, Davis, & Davis. (2003). User Acceptance of Information Technology: Toward a Unified View. MIS Quarterly, 27(3), 425. https://doi.org/10.2307/30036540
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Rully Arestha, Nur Afifah, Mustaruddin Mustaruddin
This work is licensed under a Creative Commons Attribution 4.0 International License.
