Faktor – Faktor Yang Mempengaruhi Fintech Adoption Pada Generasi Milenial

Khairul Anwar, Elistia Elistia

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Ekosistem keuangan Indonesia semakin berkembang, terutama pada produk keuangan fintech yang digunakan oleh generasi milenial dalam mengadopsi layanan dan produk fintech, terutama jenis fintech yang dikenal dengan sistem P2P lending atau pinjaman online. Oleh karena itu, penelitian mengenai faktor-faktor yang mempengaruhi adopsi fintech pada generasi milenial menjadi penting untuk diteliti. Adapun tujuan dari penelitian ini yaitu untuk mengidentifikasi dan menganalisis pengaruh persepsi risiko, kepercayaan, literasi keuangan, persepsi kebermanfaatan dan persepsi kemudahan penggunaan terhadap adopsi fintech dan moderasi keamanan transaksi, waktu luang, dan e-wom terhadap adopsi fintech. Metode penelitian ini adalah deskriptif kausalitas dengan pendekatan metode kuantitatif dan menggunakan teknik pengambilan sampel yaitu purposive sampling dengan jumlah sampel sebanyak 200 responden dari generasi milenial. Pengumpulan data menggunakan survei online, data diolah dan dianalisis menggunakan SEM-PLS). Hasil penelitian ini menunjukkan bahwa persepsi risiko, kepercayaan, literasi keuangan, persepsi kebermanfaatan, persepsi kemudahan penggunaan dapat mempengaruhi minat adopsi fintech, dan variabel moderasi keamanan transaksi, waktu luang, dan e-wom dapat memperkuat dan memperlemah hubungan terhadap adopsi fintech. Penelitian ini dapat memberikan kontribusi pada tataran teori atau ilmu manajemen bisnis dan juga memberikan kontribusi penelitian untuk penggunaan produk fintech.

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DOI: https://doi.org/10.37531/yum.v7i2.6753

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