Determinant Factors of Adoption of Fintech Payment Services in Indonesia Using The UTAUT Approach

IF 0.3 Q4 BUSINESS, FINANCE

Asia-Pacific Management Accounting Journal Pub Date : 2022-04-30 DOI:10.24191/apmaj.v17i1-04

Florentina Kurniasari, Sharina Tajul Urus, Prio Utomo, Nadiah Abd Hamid, S. Jimmy, I. W. Othman

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引用次数: 2

Abstract

The advancement of digital technology has affected many industries, including digital payment services. The objective of this study was to analyze the adoption of Fintech payment services in Indonesia using the UTAUT theory approach. This study also considered the important role of national culture in strengthening the effect of the social influence variable in creating trust. The study added the government policy variable in strengthening the effect of facilitating a condition in creating trust. The study was conducted by distributing 310 questionnaires to freshly employed graduates who were digital payment services users. Further analysis was conducted with linear multiple regression using IBM SPSS 26. The study found that trust had the highest effect in creating the adoption decision in digital payment services, followed by government policies in strengthening the facilitating conditions. Meanwhile, performance and effort expectancy, social influence and facilitating condition did not have a direct influence on customer trust. Uncertainty avoidance, masculinity and long-term orientation also did not have a strengthening effect of social influence in gaining trust. Keywords: UTAUT, national culture, government policy, trust, adoption in digital payment

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使用UTAUT方法在印度尼西亚采用金融科技支付服务的决定因素

数字技术的进步影响了许多行业，包括数字支付服务。本研究的目的是使用UTAUT理论方法分析印度尼西亚采用金融科技支付服务的情况。本研究还考虑了民族文化在加强社会影响变量在创造信任中的作用中的重要作用。该研究还增加了政府政策变量，以加强促进信任的条件效果。该研究向使用数字支付服务的应届毕业生发放了310份调查问卷。采用IBM SPSS 26进行线性多元回归分析。研究发现，信任对数字支付服务的采用决策影响最大，其次是政府在加强便利条件方面的政策。同时，绩效与努力期望、社会影响和促进条件对顾客信任没有直接影响。不确定性规避、男子气概和长期取向对获得信任的社会影响力也没有增强作用。关键词:utut，民族文化，政府政策，信任，数字支付采用

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Asia-Pacific Management Accounting Journal BUSINESS, FINANCE-

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