中小微企业对金融科技的接受程度:科维德 19 事件后的对策

Ulfa Nurhayani, Faisal Rahman Dongoran, Dedy Husrizal Syah, Gaffar Hafiz Sagala
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引用次数: 0

摘要

本研究的主要目的是评估影响棉兰市中小微企业采用金融科技的决定性因素,重点关注疫情过后的中小微企业。本研究对棉兰市的 156 家中小微企业进行了在线调查。本研究采用结构方程模型--偏最小二乘法(SEM-PLS)方法,利用 SmartPLS 第 3 版分析工具对概念模型进行分析。研究结果发现,感知易用性和主观规范会影响棉兰市中小微企业行为者使用金融科技的感知有用性。总体而言,本研究结果表明,感知易用性、感知有用性、主观规范和安全感对棉兰市中小微企业参与者使用金融科技有积极而显著的影响。本研究的结果还为棉兰市中小微企业在新常态时代(COVID-19 大流行之后)使用金融科技提供了实际意义。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Fintech Acceptance Among MSMEs: A Post-Covid 19 Response
The primary objective of this research is to assess the determinants influencing the adoption of Fintech among MSMEs in Medan City, focusing on MSMEs following the post-pandemic period. This study used an online survey among 156 MSMEs in Medan City. This research uses the Structural Equation Modeling - Partial Least Square (SEM-PLS) approach to analyze the conceptual model, utilizing the SmartPLS version 3 analysis tool. The study's results found that perceived ease of use and subjective norms influence the perceived usefulness of Medan City MSME actors in using Fintech. Overall, the results of this study indicate that perceived ease of use, perceived usefulness, subjective norms, and feeling of safety have a positive and significant effect on the usage of Fintech among MSME actors in Medan City. The results of this study also provide practical implications for using Fintech for MSMEs in Medan City in the new normal era (after the COVID-19 pandemic).
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