Role of Financial Literacy and Saving Habits on Fintech Adoption post Covid-19


Nugraha, Deni Pandu and Setiawan, Budi and Emilda, Emilda and Masyhuri, Muhammad and Quynh, Mac Nhu and Nathan, Robert Jeyakumar and Fekete Farkas, Maria and Hágen, István (2024) Role of Financial Literacy and Saving Habits on Fintech Adoption post Covid-19. ETIKONOMI, 23 (1). pp. 63-80. ISSN 1412-8969

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Research Originality: This research paper enriches existing literature on drivers of fintech adoption, including the impact of perceived trust, individual innovativeness, savings habits, and government support on Indonesian users' post-COVID-19 pandemic fintech adoption intentions. Research Objectives: This study examines the impact of post-covid changes in people's behavior, savings habits and accelerated financial literacy on strengthening Technology Adoption Model (TAM) among Indonesian fintech users. Research Methods: The researchers surveyed 536 people living in Indonesia. The data was analysed using structural equation modelling with moderator variables. Empirical Results: The research found that ease of use, usefulness, trust, and personal innovativeness are key drivers of adoption intentions. It also found that savings habits significantly increase the influence of government support on fintech adoption. Implications: This research has two important implications. First, digital finance companies should improve fintech app service quality and security further. Second, the government should also encourage the expansion of a fintech-based startup ecosystem by providing regulatory support to accelerate the progress of Indonesia's digital finance industry.

Item Type: Article
Uncontrolled Keywords: Consumer behavior
Subjects: H Social Sciences > HF Commerce > HF5001-6182 Business > HF5410-5417.5 Marketing. Distribution of products
Divisions: Faculty of Business (FOB)
Depositing User: Ms Nurul Iqtiani Ahmad
Date Deposited: 31 May 2024 02:49
Last Modified: 31 May 2024 02:49


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