Analisis Minat Penggunaan Fintech Berdasarkan Konsep ECT-IS
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Keywords:
ECT-IS Model; Data Security; Fintech; Financial Access
Abstract
This research aims to obtain empirical evidence regarding the behavior intention in using Fintech as electronic-based financial access through the ECT-IS model combined with data security system. The sampling method for this research using judgment sampling. The survey method is carried out in the process of collecting data. Empirical evidence of research explains that perceived usefulness has a positive and significant effect on the level of satisfaction and behavior intention. The effect confirmation of use on perceived usefulness and individual satisfaction has positive and significant effect. The effect of data security systems on individual satisfaction is positive and significant. Likewise, the level of individual satisfaction have significant effect on behavior intention in using Fintech.
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References
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Aprilia, N. E. (2021). Influence Of Service Quality On Customer Loyalty Through Perceived Risk, Satisfaction, And Trust In Branchless Banking Customers. BISMA: Jurnal Bisnis Dan Manajemen, 15(1), 56. https://doi.org/10.19184/bisma.v15i1.17764
Baber, H. (2020). FinTech, Crowdfunding and Customer Retention in Islamic Banks. Vision: The Journal of Business Perspective, 24(3), 260–268. https://doi.org/10.1177/0972262919869765
Bhat, J. R., AlQahtani, S. A., & Nekovee, M. (2022). FinTech enablers, use cases, and role of future internet of things. Journal of King Saud University - Computer and Information Sciences. https://doi.org/10.1016/j.jksuci.2022.08.033
Calvo-Porral, C., & Pesqueira-Sanchez, R. (2019). Generational differences in technology behaviour: comparing millennials and Generation X. Kybernetes, 49(11), 2755–2772. https://doi.org/10.1108/K-09-2019-0598
Campanella, F., Serino, L., & Crisci, A. (2022). Governing Fintech for sustainable development: evidence from Italian banking system. Qualitative Research in Financial Markets. https://doi.org/10.1108/QRFM-01-2022-0009
Cao, L., Yang, Q., & Yu, P. S. (2021). Data science and AI in FinTech: an overview. International Journal of Data Science and Analytics, 12(2), 81–99. https://doi.org/10.1007/s41060-021-00278-w
Chen, Xia, Miraz, M. H., Gazi, M. A. I., Rahaman, M. A., Habib, M. M., & Hossain, A. I. (2022). Factors affecting cryptocurrency adoption in digital business transactions: The mediating role of customer satisfaction. Technology in Society, 70, 102059. https://doi.org/10.1016/j.techsoc.2022.102059
Chen, Xihui, You, X., & Chang, V. (2021). FinTech and commercial banks’ performance in China: A leap forward or survival of the fittest? Technological Forecasting and Social Change, 166, 120645. https://doi.org/10.1016/j.techfore.2021.120645
Daragmeh, A., Lentner, C., & Sági, J. (2021). FinTech payments in the era of COVID-19: Factors influencing behavioral intentions of “Generation X” in Hungary to use mobile payment. Journal of Behavioral and Experimental Finance, 32, 100574. https://doi.org/10.1016/j.jbef.2021.100574
Festa, G., Elbahri, S., Cuomo, M. T., Ossorio, M., & Rossi, M. (2022). FinTech ecosystem as influencer of young entrepreneurial intentions: empirical findings from Tunisia. Journal of Intellectual Capital. https://doi.org/10.1108/JIC-08-2021-0220
Haddad, C., & Hornuf, L. (2019). The emergence of the global fintech market: economic and technological determinants. Small Business Economics, 53(1), 81–105. https://doi.org/10.1007/s11187-018-9991-x
Hair, J. F., Sarstedt, M., & Ringle, C. M. (2019). Rethinking some of the rethinking of partial least squares. European Journal of Marketing, 53(4), 566–584. https://doi.org/10.1108/EJM-10-2018-0665
Hana, C., & Kusumawati, Y. (2020). Pengaruh Kemampuan Financial dan Kemudahan terhadap penggunaan cashless transaction. AKUNTABILITAS: Jurnal Ilmiah Ilmu-Ilmu Ekonomi, 13(2), 61–70. https://doi.org/10.35457/akuntabilitas.v13i2.1177
Herawati, N. T., Candiasa, I. M., Yadnyana, I. K., & Suharsono, N. (2020). Factors that influence financial self-efficacy among accounting students in Bali. Journal of International Education in Business, 13(1), 21–36. https://doi.org/10.1108/JIEB-02-2019-0010
Hsieh, P.-H., & Hsiung, Y.-L. (2020). Decision-Making Models for Using Multimedia Marketing in Enterprises. Pertanika Journal of Social Sciences and Humanities, 28(4). https://doi.org/10.47836/pjssh.28.4.10
Hua, X., Huang, Y., & Zheng, Y. (2019). Current practices, new insights, and emerging trends of financial technologies. Industrial Management & Data Systems, 119(7), 1401–1410. https://doi.org/10.1108/IMDS-08-2019-0431
Hwang, Y., Park, S., & Shin, N. (2021). Sustainable Development of a Mobile Payment Security Environment Using Fintech Solutions. Sustainability, 13(15), 8375. https://doi.org/10.3390/su13158375
Ivanaj, S., Nganmini, G.-B., & Antoine, A. (2019). Measuring E-Learners’ Perceptions of Service Quality. Journal of Organizational and End User Computing, 31(2), 83–104. https://doi.org/10.4018/JOEUC.2019040105
Joshi, A., Kale, S., Chandel, S., & Pal, D. (2015). Likert Scale: Explored and Explained. British Journal of Applied Science & Technology, 7(4), 396–403. https://doi.org/10.9734/BJAST/2015/14975
Kang, J. (2018). Mobile payment in Fintech environment: trends, security challenges, and services. Human-Centric Computing and Information Sciences, 8(1), 32. https://doi.org/10.1186/s13673-018-0155-4
Kazaure, M. A., Abdullah, A. R., Zawawi, D. B., & Hamzah, A. (2021). Determinants of SMEs intention to adopt Islamic crowdfunding model in Northwestern Nigeria. Journal of Islamic Accounting and Business Research, 12(2), 204–217. https://doi.org/10.1108/JIABR-12-2019-0234
Ladhari, R., Gonthier, J., & Lajante, M. (2019). Generation Y and online fashion shopping: Orientations and profiles. Journal of Retailing and Consumer Services, 48, 113–121. https://doi.org/10.1016/j.jretconser.2019.02.003
Lee, I., & Shin, Y. J. (2018). Fintech: Ecosystem, business models, investment decisions, and challenges. Business Horizons, 61(1), 35–46. https://doi.org/10.1016/j.bushor.2017.09.003
Leong, K. (2018). FinTech (Financial Technology): What is It and How to Use Technologies to Create Business Value in Fintech Way? International Journal of Innovation, Management and Technology, 74–78. https://doi.org/10.18178/ijimt.2018.9.2.791
Lewan, M. (2018). The Internet as an enabler of FinTech. In The Rise and Development of FinTech (pp. 190–204). Routledge. https://doi.org/10.4324/9781351183628-11
Lim, S. H., Kim, D. J., Hur, Y., & Park, K. (2019). An Empirical Study of the Impacts of Perceived Security and Knowledge on Continuous Intention to Use Mobile Fintech Payment Services. International Journal of Human–Computer Interaction, 35(10), 886–898. https://doi.org/10.1080/10447318.2018.1507132
Lu, M.-P., & Kosim, Z. (2022). An empirical study to explore the influence of the COVID-19 crisis on consumers’ behaviour towards cashless payment in Malaysia. Journal of Financial Services Marketing. https://doi.org/10.1057/s41264-022-00182-9
Ma, D., Tina Du, J., Cen, Y., & Wu, P. (2016). Exploring the adoption of mobile internet services by socioeconomically disadvantaged people. Aslib Journal of Information Management, 68(6), 670–693. https://doi.org/10.1108/AJIM-03-2016-0027
Mention, A.-L., Barlatier, P.-J., & Josserand, E. (2019). Using social media to leverage and develop dynamic capabilities for innovation. Technological Forecasting and Social Change, 144, 242–250. https://doi.org/10.1016/j.techfore.2019.03.003
Nascimento, D. L. M., Alencastro, V., Quelhas, O. L. G., Caiado, R. G. G., Garza-Reyes, J. A., Rocha-Lona, L., & Tortorella, G. (2019). Exploring Industry 4.0 technologies to enable circular economy practices in a manufacturing context. Journal of Manufacturing Technology Management, 30(3), 607–627. https://doi.org/10.1108/JMTM-03-2018-0071
Nejad, M. G., & Javid, K. (2018). Subjective and objective financial literacy, opinion leadership, and the use of retail banking services. International Journal of Bank Marketing, 36(4), 784–804. https://doi.org/10.1108/IJBM-07-2017-0153
Nguyen, Y. T. H., Tapanainen, T., & Nguyen, H. T. T. (2022). Reputation and its consequences in Fintech services: the case of mobile banking. International Journal of Bank Marketing. https://doi.org/10.1108/IJBM-08-2021-0371
Pizzi, S., Corbo, L., & Caputo, A. (2021). Fintech and SMEs sustainable business models: Reflections and considerations for a circular economy. Journal of Cleaner Production, 281, 125217. https://doi.org/10.1016/j.jclepro.2020.125217
Priporas, C.-V., Stylos, N., & Kamenidou, I. (Eirini). (2020). City image, city brand personality and generation Z residents’ life satisfaction under economic crisis: Predictors of city-related social media engagement. Journal of Business Research, 119, 453–463. https://doi.org/10.1016/j.jbusres.2019.05.019
Puschmann, T. (2017). Fintech. Business & Information Systems Engineering, 59(1), 69–76. https://doi.org/10.1007/s12599-017-0464-6
Rahim, N. @ F., Bakri, M. H., Fianto, B. A., Zainal, N., & Hussein Al Shami, S. A. (2022). Measurement and structural modelling on factors of Islamic Fintech adoption among millennials in Malaysia. Journal of Islamic Marketing. https://doi.org/10.1108/JIMA-09-2020-0279
Ryu, H.-S. (2018). What makes users willing or hesitant to use Fintech?: the moderating effect of user type. Industrial Management & Data Systems, 118(3), 541–569. https://doi.org/10.1108/IMDS-07-2017-0325
Safa, N. S., Sookhak, M., Von Solms, R., Furnell, S., Ghani, N. A., & Herawan, T. (2015). Information security conscious care behaviour formation in organizations. Computers & Security, 53, 65–78. https://doi.org/10.1016/j.cose.2015.05.012
Shaikh, I. M., Qureshi, M. A., Noordin, K., Shaikh, J. M., Khan, A., & Shahbaz, M. S. (2020). Acceptance of Islamic financial technology (FinTech) banking services by Malaysian users: an extension of technology acceptance model. Foresight, 22(3), 367–383. https://doi.org/10.1108/FS-12-2019-0105
Shiau, W.-L., Yuan, Y., Pu, X., Ray, S., & Chen, C. C. (2020). Understanding fintech continuance: perspectives from self-efficacy and ECT-IS theories. Industrial Management & Data Systems, 120(9), 1659–1689. https://doi.org/10.1108/IMDS-02-2020-0069
Souiden, N., Ladhari, R., & Chaouali, W. (2020). Mobile banking adoption: a systematic review. International Journal of Bank Marketing, ahead-of-p(ahead-of-print). https://doi.org/10.1108/IJBM-04-2020-0182
Stewart, H., & Jürjens, J. (2018). Data security and consumer trust in FinTech innovation in Germany. Information & Computer Security, 26(1), 109–128. https://doi.org/10.1108/ICS-06-2017-0039
Susanto, A., Chang, Y., & Ha, Y. (2016). Determinants of continuance intention to use the smartphone banking services. Industrial Management & Data Systems, 116(3), 508–525. https://doi.org/10.1108/IMDS-05-2015-0195
Usman, H., Mulia, D., Chairy, C., & Widowati, N. (2022). Integrating trust, religiosity and image into technology acceptance model: the case of the Islamic philanthropy in Indonesia. Journal of Islamic Marketing, 13(2), 381–409. https://doi.org/10.1108/JIMA-01-2020-0020
Wang, Z., GUAN, Z. (Gordon), Hou, F., Li, B., & Zhou, W. (2019). What determines customers’ continuance intention of FinTech? Evidence from YuEbao. Industrial Management & Data Systems, 119(8), 1625–1637. https://doi.org/10.1108/IMDS-01-2019-0011
Xu, Y., Bao, H., Zhang, W., & Zhang, S. (2021). Which financial earmarking policy is more effective in promoting FinTech innovation and regulation? Industrial Management & Data Systems, 121(10), 2181–2206. https://doi.org/10.1108/IMDS-11-2020-0656
Yuan, S., Liu, Y., Yao, R., & Liu, J. (2016). An investigation of users’ continuance intention towards mobile banking in China. Information Development, 32(1), 20–34. https://doi.org/10.1177/0266666914522140
Zhou, W., Tsiga, Z., Li, B., Zheng, S., & Jiang, S. (2018). What influence users’ e-finance continuance intention? The moderating role of trust. Industrial Management & Data Systems, 118(8), 1647–1670. https://doi.org/10.1108/IMDS-12-2017-0602
Ali, M., Raza, S. A., Khamis, B., Puah, C. H., & Amin, H. (2021). How perceived risk, benefit and trust determine user Fintech adoption: a new dimension for Islamic finance. Foresight, 23(4), 403–420. https://doi.org/10.1108/FS-09-2020-0095
Aprilia, N. E. (2021). Influence Of Service Quality On Customer Loyalty Through Perceived Risk, Satisfaction, And Trust In Branchless Banking Customers. BISMA: Jurnal Bisnis Dan Manajemen, 15(1), 56. https://doi.org/10.19184/bisma.v15i1.17764
Baber, H. (2020). FinTech, Crowdfunding and Customer Retention in Islamic Banks. Vision: The Journal of Business Perspective, 24(3), 260–268. https://doi.org/10.1177/0972262919869765
Bhat, J. R., AlQahtani, S. A., & Nekovee, M. (2022). FinTech enablers, use cases, and role of future internet of things. Journal of King Saud University - Computer and Information Sciences. https://doi.org/10.1016/j.jksuci.2022.08.033
Calvo-Porral, C., & Pesqueira-Sanchez, R. (2019). Generational differences in technology behaviour: comparing millennials and Generation X. Kybernetes, 49(11), 2755–2772. https://doi.org/10.1108/K-09-2019-0598
Campanella, F., Serino, L., & Crisci, A. (2022). Governing Fintech for sustainable development: evidence from Italian banking system. Qualitative Research in Financial Markets. https://doi.org/10.1108/QRFM-01-2022-0009
Cao, L., Yang, Q., & Yu, P. S. (2021). Data science and AI in FinTech: an overview. International Journal of Data Science and Analytics, 12(2), 81–99. https://doi.org/10.1007/s41060-021-00278-w
Chen, Xia, Miraz, M. H., Gazi, M. A. I., Rahaman, M. A., Habib, M. M., & Hossain, A. I. (2022). Factors affecting cryptocurrency adoption in digital business transactions: The mediating role of customer satisfaction. Technology in Society, 70, 102059. https://doi.org/10.1016/j.techsoc.2022.102059
Chen, Xihui, You, X., & Chang, V. (2021). FinTech and commercial banks’ performance in China: A leap forward or survival of the fittest? Technological Forecasting and Social Change, 166, 120645. https://doi.org/10.1016/j.techfore.2021.120645
Daragmeh, A., Lentner, C., & Sági, J. (2021). FinTech payments in the era of COVID-19: Factors influencing behavioral intentions of “Generation X” in Hungary to use mobile payment. Journal of Behavioral and Experimental Finance, 32, 100574. https://doi.org/10.1016/j.jbef.2021.100574
Festa, G., Elbahri, S., Cuomo, M. T., Ossorio, M., & Rossi, M. (2022). FinTech ecosystem as influencer of young entrepreneurial intentions: empirical findings from Tunisia. Journal of Intellectual Capital. https://doi.org/10.1108/JIC-08-2021-0220
Haddad, C., & Hornuf, L. (2019). The emergence of the global fintech market: economic and technological determinants. Small Business Economics, 53(1), 81–105. https://doi.org/10.1007/s11187-018-9991-x
Hair, J. F., Sarstedt, M., & Ringle, C. M. (2019). Rethinking some of the rethinking of partial least squares. European Journal of Marketing, 53(4), 566–584. https://doi.org/10.1108/EJM-10-2018-0665
Hana, C., & Kusumawati, Y. (2020). Pengaruh Kemampuan Financial dan Kemudahan terhadap penggunaan cashless transaction. AKUNTABILITAS: Jurnal Ilmiah Ilmu-Ilmu Ekonomi, 13(2), 61–70. https://doi.org/10.35457/akuntabilitas.v13i2.1177
Herawati, N. T., Candiasa, I. M., Yadnyana, I. K., & Suharsono, N. (2020). Factors that influence financial self-efficacy among accounting students in Bali. Journal of International Education in Business, 13(1), 21–36. https://doi.org/10.1108/JIEB-02-2019-0010
Hsieh, P.-H., & Hsiung, Y.-L. (2020). Decision-Making Models for Using Multimedia Marketing in Enterprises. Pertanika Journal of Social Sciences and Humanities, 28(4). https://doi.org/10.47836/pjssh.28.4.10
Hua, X., Huang, Y., & Zheng, Y. (2019). Current practices, new insights, and emerging trends of financial technologies. Industrial Management & Data Systems, 119(7), 1401–1410. https://doi.org/10.1108/IMDS-08-2019-0431
Hwang, Y., Park, S., & Shin, N. (2021). Sustainable Development of a Mobile Payment Security Environment Using Fintech Solutions. Sustainability, 13(15), 8375. https://doi.org/10.3390/su13158375
Ivanaj, S., Nganmini, G.-B., & Antoine, A. (2019). Measuring E-Learners’ Perceptions of Service Quality. Journal of Organizational and End User Computing, 31(2), 83–104. https://doi.org/10.4018/JOEUC.2019040105
Joshi, A., Kale, S., Chandel, S., & Pal, D. (2015). Likert Scale: Explored and Explained. British Journal of Applied Science & Technology, 7(4), 396–403. https://doi.org/10.9734/BJAST/2015/14975
Kang, J. (2018). Mobile payment in Fintech environment: trends, security challenges, and services. Human-Centric Computing and Information Sciences, 8(1), 32. https://doi.org/10.1186/s13673-018-0155-4
Kazaure, M. A., Abdullah, A. R., Zawawi, D. B., & Hamzah, A. (2021). Determinants of SMEs intention to adopt Islamic crowdfunding model in Northwestern Nigeria. Journal of Islamic Accounting and Business Research, 12(2), 204–217. https://doi.org/10.1108/JIABR-12-2019-0234
Ladhari, R., Gonthier, J., & Lajante, M. (2019). Generation Y and online fashion shopping: Orientations and profiles. Journal of Retailing and Consumer Services, 48, 113–121. https://doi.org/10.1016/j.jretconser.2019.02.003
Lee, I., & Shin, Y. J. (2018). Fintech: Ecosystem, business models, investment decisions, and challenges. Business Horizons, 61(1), 35–46. https://doi.org/10.1016/j.bushor.2017.09.003
Leong, K. (2018). FinTech (Financial Technology): What is It and How to Use Technologies to Create Business Value in Fintech Way? International Journal of Innovation, Management and Technology, 74–78. https://doi.org/10.18178/ijimt.2018.9.2.791
Lewan, M. (2018). The Internet as an enabler of FinTech. In The Rise and Development of FinTech (pp. 190–204). Routledge. https://doi.org/10.4324/9781351183628-11
Lim, S. H., Kim, D. J., Hur, Y., & Park, K. (2019). An Empirical Study of the Impacts of Perceived Security and Knowledge on Continuous Intention to Use Mobile Fintech Payment Services. International Journal of Human–Computer Interaction, 35(10), 886–898. https://doi.org/10.1080/10447318.2018.1507132
Lu, M.-P., & Kosim, Z. (2022). An empirical study to explore the influence of the COVID-19 crisis on consumers’ behaviour towards cashless payment in Malaysia. Journal of Financial Services Marketing. https://doi.org/10.1057/s41264-022-00182-9
Ma, D., Tina Du, J., Cen, Y., & Wu, P. (2016). Exploring the adoption of mobile internet services by socioeconomically disadvantaged people. Aslib Journal of Information Management, 68(6), 670–693. https://doi.org/10.1108/AJIM-03-2016-0027
Mention, A.-L., Barlatier, P.-J., & Josserand, E. (2019). Using social media to leverage and develop dynamic capabilities for innovation. Technological Forecasting and Social Change, 144, 242–250. https://doi.org/10.1016/j.techfore.2019.03.003
Nascimento, D. L. M., Alencastro, V., Quelhas, O. L. G., Caiado, R. G. G., Garza-Reyes, J. A., Rocha-Lona, L., & Tortorella, G. (2019). Exploring Industry 4.0 technologies to enable circular economy practices in a manufacturing context. Journal of Manufacturing Technology Management, 30(3), 607–627. https://doi.org/10.1108/JMTM-03-2018-0071
Nejad, M. G., & Javid, K. (2018). Subjective and objective financial literacy, opinion leadership, and the use of retail banking services. International Journal of Bank Marketing, 36(4), 784–804. https://doi.org/10.1108/IJBM-07-2017-0153
Nguyen, Y. T. H., Tapanainen, T., & Nguyen, H. T. T. (2022). Reputation and its consequences in Fintech services: the case of mobile banking. International Journal of Bank Marketing. https://doi.org/10.1108/IJBM-08-2021-0371
Pizzi, S., Corbo, L., & Caputo, A. (2021). Fintech and SMEs sustainable business models: Reflections and considerations for a circular economy. Journal of Cleaner Production, 281, 125217. https://doi.org/10.1016/j.jclepro.2020.125217
Priporas, C.-V., Stylos, N., & Kamenidou, I. (Eirini). (2020). City image, city brand personality and generation Z residents’ life satisfaction under economic crisis: Predictors of city-related social media engagement. Journal of Business Research, 119, 453–463. https://doi.org/10.1016/j.jbusres.2019.05.019
Puschmann, T. (2017). Fintech. Business & Information Systems Engineering, 59(1), 69–76. https://doi.org/10.1007/s12599-017-0464-6
Rahim, N. @ F., Bakri, M. H., Fianto, B. A., Zainal, N., & Hussein Al Shami, S. A. (2022). Measurement and structural modelling on factors of Islamic Fintech adoption among millennials in Malaysia. Journal of Islamic Marketing. https://doi.org/10.1108/JIMA-09-2020-0279
Ryu, H.-S. (2018). What makes users willing or hesitant to use Fintech?: the moderating effect of user type. Industrial Management & Data Systems, 118(3), 541–569. https://doi.org/10.1108/IMDS-07-2017-0325
Safa, N. S., Sookhak, M., Von Solms, R., Furnell, S., Ghani, N. A., & Herawan, T. (2015). Information security conscious care behaviour formation in organizations. Computers & Security, 53, 65–78. https://doi.org/10.1016/j.cose.2015.05.012
Shaikh, I. M., Qureshi, M. A., Noordin, K., Shaikh, J. M., Khan, A., & Shahbaz, M. S. (2020). Acceptance of Islamic financial technology (FinTech) banking services by Malaysian users: an extension of technology acceptance model. Foresight, 22(3), 367–383. https://doi.org/10.1108/FS-12-2019-0105
Shiau, W.-L., Yuan, Y., Pu, X., Ray, S., & Chen, C. C. (2020). Understanding fintech continuance: perspectives from self-efficacy and ECT-IS theories. Industrial Management & Data Systems, 120(9), 1659–1689. https://doi.org/10.1108/IMDS-02-2020-0069
Souiden, N., Ladhari, R., & Chaouali, W. (2020). Mobile banking adoption: a systematic review. International Journal of Bank Marketing, ahead-of-p(ahead-of-print). https://doi.org/10.1108/IJBM-04-2020-0182
Stewart, H., & Jürjens, J. (2018). Data security and consumer trust in FinTech innovation in Germany. Information & Computer Security, 26(1), 109–128. https://doi.org/10.1108/ICS-06-2017-0039
Susanto, A., Chang, Y., & Ha, Y. (2016). Determinants of continuance intention to use the smartphone banking services. Industrial Management & Data Systems, 116(3), 508–525. https://doi.org/10.1108/IMDS-05-2015-0195
Usman, H., Mulia, D., Chairy, C., & Widowati, N. (2022). Integrating trust, religiosity and image into technology acceptance model: the case of the Islamic philanthropy in Indonesia. Journal of Islamic Marketing, 13(2), 381–409. https://doi.org/10.1108/JIMA-01-2020-0020
Wang, Z., GUAN, Z. (Gordon), Hou, F., Li, B., & Zhou, W. (2019). What determines customers’ continuance intention of FinTech? Evidence from YuEbao. Industrial Management & Data Systems, 119(8), 1625–1637. https://doi.org/10.1108/IMDS-01-2019-0011
Xu, Y., Bao, H., Zhang, W., & Zhang, S. (2021). Which financial earmarking policy is more effective in promoting FinTech innovation and regulation? Industrial Management & Data Systems, 121(10), 2181–2206. https://doi.org/10.1108/IMDS-11-2020-0656
Yuan, S., Liu, Y., Yao, R., & Liu, J. (2016). An investigation of users’ continuance intention towards mobile banking in China. Information Development, 32(1), 20–34. https://doi.org/10.1177/0266666914522140
Zhou, W., Tsiga, Z., Li, B., Zheng, S., & Jiang, S. (2018). What influence users’ e-finance continuance intention? The moderating role of trust. Industrial Management & Data Systems, 118(8), 1647–1670. https://doi.org/10.1108/IMDS-12-2017-0602
Published
2022-12-10
How to Cite
Dicky Andriyanto, Irvan Ali Mustofa, & Fandi Prasetya. (2022). Analisis Minat Penggunaan Fintech Berdasarkan Konsep ECT-IS. AKUNTABILITAS: Jurnal Ilmiah Ilmu-Ilmu Ekonomi, 14(2), 61-75. https://doi.org/10.35457/akuntabilitas.v14i2.2457
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