Title: Factors influencing the acceptance of Fintech lending platform in Indonesia: an adoption of technology acceptance model

Authors: Maretta Arninda Dianty; Taufik Faturohman

Addresses: School of Business and Management, Institut Teknologi Bandung, 40132, Indonesia ' School of Business and Management, Institut Teknologi Bandung, 40132, Indonesia

Abstract: Indonesian Fintech lending has grown rapidly. However, 50.9% of Indonesians do not have bank accounts (Google, Temasek, & Bain Company, 2019). It illustrates that untapped financial capacity still exists, giving the Fintech lending industry a great opportunity to grow. To increase Fintech lending adoption, this research examines how Indonesians adopt Fintech lending using a modified technology acceptance model (TAM). The survey yielded 200 PLS-SEM responses. In this study, Fintech lending adoption was influenced by perceived usefulness, trust, brand image, perceived risk, and government/regulator support through user attitude. By improving Indonesia's financial inclusion and economy, the global economy will also increase efficiently.

Keywords: Fintech; Fintech lending; user adoption; TAM; technology acceptance model.

DOI: 10.1504/IJMEF.2023.131899

International Journal of Monetary Economics and Finance, 2023 Vol.16 No.3/4, pp.222 - 230

Received: 10 Feb 2022
Accepted: 29 May 2022
Published online: 04 Jul 2023 *

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