Proceedings of the 2nd International Conference on Management and Business (ICOMB 2023)

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The Effects of Perceived Ease of Use, Perceived Usefulness, Attitude, and Trust on Fintech Adoption in MSMEs

Authors
Sulaiman Helmi1, *, W. Ratna Sesotya2, Andri Pranata1
1Department of Master of Management, Graduate School, Universitas Bina Darma, Palembang, Indonesia
2Sekolah Tinggi Pembangunan Masyarakat Desa “APMD” Yogyakarta, Yogyakarta, Indonesia
*Corresponding author. Email: Sulaimanhelmi@binadarma.ac.id
Corresponding Author
Sulaiman Helmi
Available Online 30 May 2024.
DOI
10.2991/978-94-6463-402-0_12How to use a DOI?
Keywords
P2P Lending Fintech; Technology Acceptance Model; MSMEs
Abstract

The purpose of this study was to determine whether Micro, Small, and Medium-Sized Enterprises (MSMEs) in the financial technology (Fintech) sector would be interested in implementing peer-to-peer (P2P) financing. Perceived utility, perceived usability, attitudes, and trust were the criteria employed within the Technology Acceptance Model (TAM) framework, which is crucial for determining the effective integration of information technology.

Methodology – Primary data were collected using a questionnaire as the primary instrument. The collected data were then analyzed using Smart PLS software with the SEMPLS approach. The study comprised 64 respondents who completed and returned the questionnaires.

Finding – The results showed that attitude, trust, and user interest were all significantly impacted by perceived utility, which in turn was influenced by perceived ease of use. Nevertheless, there was no appreciable difference in customer interest levels between perceived effectiveness and simplicity of service.

Conclusion – For future research, it is recommended to consider additional variables such as security, effectiveness, and risk. The study results should be subject to review to confirm and validate the conclusions drawn.

Copyright
© 2024 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 2nd International Conference on Management and Business (ICOMB 2023)
Series
Advances in Economics, Business and Management Research
Publication Date
30 May 2024
ISBN
10.2991/978-94-6463-402-0_12
ISSN
2352-5428
DOI
10.2991/978-94-6463-402-0_12How to use a DOI?
Copyright
© 2024 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Sulaiman Helmi
AU  - W. Ratna Sesotya
AU  - Andri Pranata
PY  - 2024
DA  - 2024/05/30
TI  - The Effects of Perceived Ease of Use, Perceived Usefulness, Attitude, and Trust on Fintech Adoption in MSMEs
BT  - Proceedings of the 2nd International Conference on Management and Business (ICOMB 2023)
PB  - Atlantis Press
SP  - 101
EP  - 109
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-402-0_12
DO  - 10.2991/978-94-6463-402-0_12
ID  - Helmi2024
ER  -