Analysis of Determinants of Interest in using Financial Technology: A Literature Study

Habsiah Ramadhani Putri, Sri Trisnaningsih

Abstract


This research is a literature study that aims to explore the factors influencing users' interest in financial technology, a growing trend in the digital era. Financial technology offers convenience and efficiency in financial transactions, but user adoption is influenced by various factors that require an in-depth understanding. The method used is a literature study, by analyzing relevant articles and publications related to this topic. The results show that there are four important factors that influence interest in using financial technology, namely: ease of use, effectiveness, risk perception, and trust. Ease of use and effectiveness significantly increase user interest, while low risk perception and high trust also contribute positively to interest in using financial technology. The conclusion of this study emphasizes that fintech service providers must consider the impact of the four factors to encourage sustainable service adoption. This research is expected to provide insights for fintech service providers in designing more effective strategies, as well as a basis for further research on financial technology.

Keywords


Financial Technology, Interest In Using, Ease Of Use, Effectiveness, Risk Perception, Trust

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References


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