Predicting Intention of Using Fintech Lending to Bank Users in Indonesia

DOI

10.2991/aebmr.k.210628.034How to use a DOI?

Keywords

Fintech lending, consumer behavior, TRA, TAM, TPB

Abstract

The significant increase in the use of fintech lending proves the vital role of non-banks in providing innovative online payment services and cash funds facilities. However, not many have specifically examined the focus on one type of fintech, namely fintech lending. This study’s purpose is to examines the structural relationship between perceived ease of use, perceived usefulness, brand image, government support, user innovativeness, perceived risk, trust, subjective norm, perceived behavioral control, attitude, and intention to use lending fintech in Indonesia. This research is based on the Theory of Reason Action (TRA), Theory Acceptance Model (TAM), and Theory of Planned Behavior (TPB). A total of 377 nonfintech lending users and bank users were collected to test research using Structural Equation Modeling. The results provide eight proposed hypotheses that management can use and provide alternatives for financial services companies.

Copyright

© 2021, the Authors. Published by Atlantis Press.

Open Access

This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).

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TY  - CONF
AU  - Bayudha Desga Putranto
AU  - Nurdin Sobari
PY  - 2021
DA  - 2021/06/29
TI  - Predicting Intention of Using Fintech Lending to Bank Users in Indonesia
BT  - Proceedings of the 18th International Symposium on Management (INSYMA 2021)
PB  - Atlantis Press
SP  - 206
EP  - 211
SN  - 2352-5428
UR  - https://doi.org/10.2991/aebmr.k.210628.034
DO  - 10.2991/aebmr.k.210628.034
ID  - Putranto2021
ER  -