What type of study is this?

This is a Quantitative Study study.

October 10, 2025

Investigating How Perceived Benefit, Ease of Use, and Risk Affect Fintech Usage Adoption

Key Points

Perceived benefits significantly enhance fintech usage adoption among users, emphasizing their importance in this context.
The study observed that perceived ease of use also positively impacts fintech adoption, suggesting user-friendly services are essential.
Despite its positive correlation, perceived risk did not significantly affect fintech user adoption in the study's findings.
Data was analyzed using PLS-SEM with Smart PLS 4.0, based on insights from 246 fintech service users in Indonesia.

Abstract

This research aims to investigate the impact of perceived benefits, perceived ease of use, and perceived risks on Fintech usage adoption among Fintech users in Indonesia. This study employs a quantitative analysis method using primary data collected through questionnaires. The sample size was obtained through non-probability sampling, consisting of 246 Fintech service users. The data analysis method used partial least squares-structural modeling (PLS-SEM) with Smart PLS 4.0 application. The research findings indicate that perceived benefits and perceived ease of use have a positive and significant impact on Fintech usage adoption among Fintech users. On the other hand, perceived risk shows a positive but non-significant impact on the Fintech user adoption. Therefore, perceived benefits and perceived ease of use are crucial and must be considered in supporting Fintech usage adoption among Fintech users.

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