Wahyudi, Kevin Dwi Karizki and Lingga, Margaretha (2021) 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. Bachelor thesis, Swiss German University.

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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, SWISS 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:	Thesis (Bachelor)
Subjects:	H Social Sciences > HG Finance
Divisions:	Faculty of Business Administration and Communication > Department of Business Administration
Depositing User:	Mr Arinton Sinaga
Date Deposited:	10 Jan 2025 08:27
Last Modified:	10 Jan 2025 08:28
URI:	http://repository.sgu.ac.id/id/eprint/2803

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