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All Journal Journal of Consumer Science Journal of Consumer Sciences
Meryl Astin Nangin
Bank Central Asia, Jakarta
Education Social Sciences

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The Effects of Perceived Ease of Use, Security, and Promotion on Trust and Its Implications on Fintech Adoption Meryl Astin Nangin; Irma Rasita Gloria Barus; Soegeng Wahyoedi
Journal of Consumer Sciences Vol. 5 No. 2 (2020): Journal of Consumer Sciences
Publisher : Department of Family and Consumer Sciences, Faculty of Human Ecology, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jcs.5.2.124-138

Abstract

The advancement of mobile devices and their usage has increased the uptake of fintech innovation. These new technologies should provide ease of use and give advantages to their customers. On the other side, mobile application security threats have increased tremendously and have become a great challenge for both users, in this case, as customers, and fintech innovators. Meanwhile, service should be promoted to the customers to establish fintech's brand to society. This research empirically examined the components affecting the expectations of users to adopt fintech. By collecting 100 samples who have already used a couple of brands of Fintech and Sakuku as their payment method, and by utilizing Structural Equation Modeling- Partial Least Square (SEM-PLS) as the technique of analysis, the empirical results definitely confirmed that perceived ease of use (PEOU) and promotion positively and significantly affected the customer trust. Meanwhile, security did not significantly affect trust. The finding also implied that in order to increase the fintech adoption rate, customer trust should be built.
The Effects of Perceived Ease of Use, Security, and Promotion on Trust and Its Implications on Fintech Adoption Meryl Astin Nangin; Irma Rasita Gloria Barus; Soegeng Wahyoedi
Journal of Consumer Sciences Vol. 5 No. 2 (2020): Journal of Consumer Sciences
Publisher : Department of Family and Consumer Sciences, Faculty of Human Ecology, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jcs.5.2.124-138

Abstract

The advancement of mobile devices and their usage has increased the uptake of fintech innovation. These new technologies should provide ease of use and give advantages to their customers. On the other side, mobile application security threats have increased tremendously and have become a great challenge for both users, in this case, as customers, and fintech innovators. Meanwhile, service should be promoted to the customers to establish fintech's brand to society. This research empirically examined the components affecting the expectations of users to adopt fintech. By collecting 100 samples who have already used a couple of brands of Fintech and Sakuku as their payment method, and by utilizing Structural Equation Modeling- Partial Least Square (SEM-PLS) as the technique of analysis, the empirical results definitely confirmed that perceived ease of use (PEOU) and promotion positively and significantly affected the customer trust. Meanwhile, security did not significantly affect trust. The finding also implied that in order to increase the fintech adoption rate, customer trust should be built.
Co-Authors Gloria Barus, Irma Rasita Hadi Nasbey Soegeng Wahyoedi