Wahyudi, Kevin Dwi Karizki and Lingga, Margaretha Tiur Pasuria The Role of Financial Literacy in Enhancing Perceived Usefulness and Perceived Ease of Use in FinTech Adoption: Evidence from Micro and Small Enterprises in Tangerang. In: International Conference on Global Innovation and Trends in Economy INCOGITE 2023. Swiss German University. (Unpublished)

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Abstract

This research explores how financial literacy influence the adoption of financial technology (FinTech) among micro and small enterprises (MSEs) in Tangerang. Using a sample of 172 MSE owners, the study employs the Structural Equation Modelling-Partial Least Squares (SEM-PLS) method for multivariate analysis. The study identifies perceived usefulness, perceived ease of use, attitudes, and financial literacy as independent variables and FinTech adoption as the dependent variable. The results support all hypotheses, indicating that perceived usefulness and perceived ease of use have a significant positive effect on FinTech adoption. Furthermore, attitudes toward FinTech and financial literacy also demonstrate significant positive impacts on FinTech adoption. These findings underscore the importance of perceived usefulness, perceived ease of use, attitudes, and financial literacy in driving FinTech adoption among MSEs in Tangerang. The implications of this research extend to policymakers, practitioners, and MSE owners aiming to enhance the integration of FinTech into their businesses.

Item Type:	Book Section
Uncontrolled Keywords:	Financial Technology (FinTech), FinTech Adoption, Micro and Small Enterprises (MSEs), Technology Acceptance Model (TAM), Financial Literacy
Subjects:	H Social Sciences > HF Commerce > HF5001 Business H Social Sciences > HG Finance > HG4001-4285 Finance management. Business finance.
Divisions:	Faculty of Business Administration and Communication > Department of Business Administration
Depositing User:	Faisal Ifzaldi
Date Deposited:	14 Nov 2023 04:58
Last Modified:	15 Nov 2023 01:45
URI:	http://repository.sgu.ac.id/id/eprint/2593

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