The Effect of Perceived Usefulness and Perceived Easiness towards Behavioral Intention to Use Fintech by Indonesian MSMEs

Astri Wening Perwitasari
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引用次数: 7

Abstract

The research aimed to test how are Micro Small Medium Enterprise (MSMEs) acceptance towards financial technology  fintech). The number of MSME that using fintech is still need to be maximized. MSMEs were chosen as research object due to their numerous contribution in gross domestic product (GDP). Therefore, it was considered important to understand MSME’s notion to use fintech in their business operation, which is wellknown that financial technology could give a lot of services which may improve MSMEs performance. The research adopted the technology acceptance model (TAM) theory to determine the effect of the variable perceived of usefulness and perceived ease of use on behavioral intention to use fintech services by MSME entrepreneurs. Technology acceptance model had been the most widely  applied model to measure and analyze a technology's use and acceptance. The descriptive quantitative research was applied. The analysis using multiple linear regression tests on 60 respondents. Respondents were managers of MSMEs who use financial technology services in their business operations in any form. Classical assumption testing was carried out to meet the requirements of multiple linear regression analysis. The data met the criteria for multiple linear regression. The results reveal that perceived of usefulness and perceived ease of use variables simultaneously affect the behavioral intention to use financial technology services. Partially, perceived of usefulness affects behavioral intention to use, as well as the perceived ease of use affects behavioral intention to use financial technology services. 
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印尼中小微企业感知有用性和感知容易度对金融科技使用行为意向的影响
该研究旨在测试微型中小企业(MSMEs)对金融科技(fintech)的接受程度。使用金融科技的中小微企业的数量仍然需要最大化。中小微企业之所以被选为研究对象,是因为它们对国内生产总值(GDP)做出了巨大贡献。因此,了解中小微企业在业务运营中使用金融科技的概念是很重要的,众所周知,金融科技可以提供很多服务,这些服务可以提高中小微企业的绩效。本研究采用技术接受模型(TAM)理论来确定感知有用性和感知易用性变量对中小微企业家使用金融科技服务行为意愿的影响。技术接受模型是衡量和分析一项技术的使用和接受程度的最广泛的模型。采用描述性定量研究方法。采用多元线性回归对60名被调查者进行分析。受访者是在其业务运营中以任何形式使用金融技术服务的中小微企业的管理人员。为了满足多元线性回归分析的要求,进行了经典假设检验。数据符合多元线性回归标准。结果表明,感知有用性和感知易用性变量同时影响金融科技服务的使用行为意愿。部分地,感知有用性影响使用行为意愿,以及感知易用性影响使用金融科技服务的行为意愿。
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