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http://dx.doi.org/10.13106/jafeb.2020.vol7.no10.981

Technology Acceptance Model of Financial Technology in Micro, Small, and Medium Enterprises (MSME) in Indonesia  

PURNAMASARI, Pupung (Accounting Department, Economic and Business Faculty, University Islam Bandung)
PRAMONO, Irena Paramita (Accounting Department, Economic and Business Faculty, University Islam Bandung)
HARYATININGSIH, Ria (Economic Department, Economic and Business Faculty, Universitas Islam Bandung)
ISMAIL, Shahifol Arbi (School of Accountancy, University Utara Malaysia)
SHAFIE, Rohami (School of Accountancy, University Utara Malaysia)
Publication Information
The Journal of Asian Finance, Economics and Business / v.7, no.10, 2020 , pp. 981-988 More about this Journal
Abstract
Seeing the existence of MSME needs that have still not been met although this sector is undeniably important in Indonesian economy, changes in community behaviour and the intensity of the use of technology in the community, financial technology (fintech) has a lot of potentials to become a part of the solution of the problem commonly faced by MSMEs. Therefore this research needs to be done to observe the potential of fintech in integrating MSMEs in terms of the application of technology and knowledge from the community related to fintech. By using Technology Acceptance Model, this research tries to understand the determinant factors of the fintech application used by MSME. Based on the research framework and model, path analysis method used in this research. This research uses primary data gathered by the questioner, which was distributed to MSME. From the analysis conducted, we can conclude that the external factors tested in this research could have an effect on the behaviour intention through perceived usefulness in MSME practice of financial technology. Large variation in MSME educational background, busineess age and size would become a challenge in promoting fintech application, therefore this finding suggests that fintech should be promoted by highlighting what benefits can be obtained by using fintech application.
Keywords
Fintech; MSME; Technology; Acceptance;
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Times Cited By KSCI : 6  (Citation Analysis)
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