DETERMINANTS OF BEHAVIORAL INTENTION AND USE BEHAVIOR IN FINTECH ADOPTION: THE ROLES OF PERFORMANCE EXPECTANCY, EFFORT EXPECTANCY, SOCIAL INFLUENCE, AND FACILITATING CONDITIONS

Dina Octaviani; Setyo Gunawan; Nur Hidayat; Riska Susanti; Kurniawan Kurniawan

doi:10.31539/8tmb7729

Authors

Dina Octaviani Universitas Panca Bhakti Pontianak
Setyo Gunawan Universitas Panca Bhakti Pontianak
Nur Hidayat Universitas Panca Bhakti, Pontianak
Riska Susanti Universitas Panca Bhakti, Pontianak
Kurniawan Kurniawan Universitas Panca Bhakti, Pontianak

DOI:

https://doi.org/10.31539/8tmb7729

Keywords:

Performance Expectancy; Effort Expectancy; Social Influence; Facilitating Conditions; Behavioral Intention; Use Behavior

Abstract

Studi ini menyelidiki pengaruh ekspektasi kinerja, ekspektasi usaha, pengaruh sosial, dan kondisi yang memudahkan terhadap niat tindakan dan kebiasaan penggunaan dalam adopsi layanan teknologi keuangan (fintech) di Kota Pontianak. Penelitian didasarkan pada Theory of Unified Acceptance and Use of Technology (UTAUT). Pengguna fintech yang aktif di wilayah penelitian diberi kuesioner untuk menggunakan pendekatan kuantitatif. Perangkat lunak WarpPLS 8.0 digunakan untuk melakukan analisis Structural Equation Modeling (SEM) dengan pendekatan Partial Least Squares. Penelitian menunjukkan bahwa ekspektasi prestasi dan usaha berpengaruh positif dan signifikan terhadap niat perilaku. Influence sosial memiliki efek positif, tetapi tidak signifikan secara statistik. Selain itu, memfasilitasi kondisi berdampak positif dan signifikan terhadap penggunaan tingkah laku, baik secara langsung maupun tidak langsung melalui niat tingkah laku. Hasil menunjukkan bahwa persepsi manfaat dan kemudahan penggunaan menjadi faktor utama yang memengaruhi keinginan pengguna untuk menggunakan fintech, sementara ketersediaan fasilitas dan infrastruktur yang cukup penting untuk mendorong penggunaan nyata. Selain itu, penelitian ini menunjukkan bahwa pemangku kepentingan industri dan pembuat kebijakan memerlukan peningkatan persepsi manfaat, kemudahan penggunaan, dan dukungan infrastruktur untuk mendorong adopsi fintech yang berkelanjutan di Kota Pontianak.

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