IDEAS home Printed from https://ideas.repec.org/a/bjc/journl/v11y2024i9p406-419.html
   My bibliography  Save this article

Sustaining Fintech Usage in Jarkarta: The Interplay of Perceived Benefits, Risks and Trust

Author

Listed:
  • Henryanto Wijaya

    (Doctor of Management, Universitas Tarumanagara, Jakarta, Indonesia)

  • Carunia Mulya Firdausy

    (Doctor of Management, Universitas Tarumanagara, Jakarta, Indonesia)

  • Indra Widjaja

    (Doctor of Management, Universitas Tarumanagara, Jakarta, Indonesia)

Abstract

The fintech industry in Indonesia has experienced rapid growth, revolutionizing the financial sector with more efficient and accessible solutions. However, despite this swift adoption, significant challenges remain, particularly concerning perceived benefits, risks, and user trust. A study conducted in Jakarta aimed to identify the factors influencing the continued use of fintech services, focusing on perceived benefits, risks, and trust. The research involved 246 users of payment fintech services, who completed a Google Form questionnaire, with the data analyzed using Smart PLS 4.0. The findings revealed that perceived benefits and trust significantly impact the continuity of fintech usage, while perceived risks do not have a significant effect. The study’s limitations include sample representativeness and the variables considered, and it does not account for external factors such as government policies or economic conditions that could influence fintech adoption. The results provide valuable insights for fintech developers and policymakers seeking to enhance user trust and perceived benefits.

Suggested Citation

  • Henryanto Wijaya & Carunia Mulya Firdausy & Indra Widjaja, 2024. "Sustaining Fintech Usage in Jarkarta: The Interplay of Perceived Benefits, Risks and Trust," International Journal of Research and Scientific Innovation, International Journal of Research and Scientific Innovation (IJRSI), vol. 11(9), pages 406-419, September.
    • Handle: RePEc:bjc:journl:v:11:y:2024:i:9:p:406-419
    as

    Download full text from publisher

    File URL: https://www.rsisinternational.org/journals/ijrsi/digital-library/volume-11-issue-9/406-419.pdf
    Download Restriction: no
    File URL: https://rsisinternational.org/journals/ijrsi/articles/sustaining-fintech-usage-in-jarkarta-the-interplay-of-perceived-benefits-risks-and-trust/
    Download Restriction: no
    ---><---

    More about this item

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:bjc:journl:v:11:y:2024:i:9:p:406-419. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Dr. Renu Malsaria (email available below). General contact details of provider: https://rsisinternational.org/journals/ijrsi/ .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.