D. Nugraha, Budi Setiawan, Emilda Emilda, Muhammad Masyhuri, Mac Nhu Quynh, Robert Jeyakumar Nathan, Mária Fekete-Farkas, István Hágen
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引用次数: 0
摘要
研究原创性:本研究论文丰富了有关金融科技采用驱动因素的现有文献,包括感知信任、个人创新能力、储蓄习惯和政府支持对印尼用户在COVID-19大流行后的金融科技采用意向的影响:本研究探讨了COVID后人们的行为变化、储蓄习惯和金融知识的加速普及对印尼金融科技用户加强技术采用模型(TAM)的影响。研究方法:研究人员对居住在印度尼西亚的 536 人进行了调查。数据采用结构方程模型与调节变量进行分析。实证结果:研究发现,易用性、实用性、信任度和个人创新性是推动采用意愿的关键因素。研究还发现,储蓄习惯会显著增加政府支持对金融科技采用的影响。影响:这项研究有两个重要意义。首先,数字金融公司应进一步提高金融科技应用程序的服务质量和安全性。其次,政府还应通过提供监管支持,鼓励扩大以金融科技为基础的初创企业生态系统,以加快印尼数字金融行业的发展:M21, G23, O36How to Cite:Nugraha, D. P., Setiawan, B., Emilda, E., Masyhuri, M., Quynh, M. N., Nathan, R. J., Fekete-Farkas, M., & Hagen, 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.
Role of Financial Literacy and Saving Habits on Fintech Adoption post Covid-19
Research Originality: This research paper enriches existing literature on drivers of fintech adoption, including the impact of perceived trust, individual innovativeness, savings habits, and government support on Indonesian users' post-COVID-19 pandemic fintech adoption intentions.Research Objectives: This study examines the impact of post-covid changes in people's behaviour, savings habits and accelerated financial literacy on strengthening Technology Adoption Model (TAM) among Indonesian fintech users. Research Methods: The researchers surveyed 536 people living in Indonesia. The data was analysed using structural equation modelling with moderator variables. Empirical Results: It found that ease of use, usefulness, trust and personal innovativeness are key drivers of adoption intentions. The research also found that savings habits significantly increase the influence of government support on fintech adoption. Implications: This research has two important implications. First, digital finance companies should further improve fintech app service quality and security. Second, the government should also encourage the expansion of a fintech-based startup ecosystem by providing regulatory support to accelerate the progress of Indonesia's digital finance industry.JEL Classification: M21, G23, O36How to Cite:Nugraha, D. P., Setiawan, B., Emilda, E., Masyhuri, M., Quynh, M. N., Nathan, R. J., Fekete-Farkas, M., & Hagen, 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.