Citation

Setiawan, Budi and Phan, Thich Dai and Medina, Jennifer and Wieriks, Martijn and Nathan, Robert Jeyakumar and Fekete-Farkas, Maria (2024) Quest for financial inclusion via digital financial services (Fintech) during COVID-19 pandemic: case study of women in Indonesia. Journal of Financial Services Marketing, 29. pp. 459-473. ISSN 1363-0539

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Abstract

Based upon an extended Technology Acceptance Model (TAM), this study aims to investigate the factors infuencing the behavioral intention to adopt Fintech from the perspective of Indonesian women. The research data were collected from 409 Indonesian female respondents and analyzed using the SEMinR statistical data analysis tool. Structural equation modeling (SEM) was used to assess this research’s measurement model and structural model. The result shows that perceived usefulness, perceived ease of use, user innovativeness, attitude, trust, and brand image signifcantly positively impact behavioral intention to adopt Fintech among Indonesian women. Meanwhile, perceived ease of use, fnancial literacy, and government support are found to have indirect relationships with behavioral intention. In addition, moderation analysis revealed that the saving habits of women during the COVID-19 pandemic reduced the relationship between their innovativeness and behavioral intention to adopt Fintech. Based on these results, we recommend practical suggestions to the government, policymakers, and aspiring Fintech service providers further to enhance women’s empowerment through digital fnancial inclusion

Item Type:	Article
Uncontrolled Keywords:	Financial inclusion · Financial technology · Indonesian gender gap · TAM · Women in Fintech · UN SDG8
Subjects:	H Social Sciences > HG Finance > HG4001-4285 Finance management. Business finance.
Divisions:	Faculty of Business (FOB)
Depositing User:	Ms Nurul Iqtiani Ahmad
Date Deposited:	11 Apr 2023 02:06
Last Modified:	01 Aug 2024 05:57
URII:	http://shdl.mmu.edu.my/id/eprint/11329

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