The Fourth Industrial Revolution (IR 4.0), which is complementary to the technological revolution, has given birth to Financial Technology (Fintech). Numerous advantages are offered by Fintech, yet the adoption rate is still low. This is especially from the employed fresh graduates’ perspectives that are regarded as the computer literate and IT savvy’s group. This research aims to examine the factors that affect the technology acceptance of Fintech payment services. The research attempts to measure the relationships between performance expectancy, effort expectancy, social influence, facilitating condition and consumers’ trust with the adoption of Fintech. Based upon the Unified Theory of Acceptance and Use of Technology (UTAUT), the quantitative method was employed via online survey of 179 respondents. The result showed that consumers’ trust had the highest impact on the adoption of Fintech payment services, followed by performance expectancy and effort expectancy. In contrast, facilitating conditions and social influence showed an insignificant relationship with the adoption of Fintech payment services. This finding would enhance the awareness for people to become more open towards the acceptance of Fintech for their daily transactions. Fintech companies are expected to develop into more secure services and design better products in becoming a cashless society. Keywords: UTAUT, consumers’ trust, financial technology, Fintech, Fintech payment services adoption, employed fresh graduates
The advancement of digital technology has affected many industries, including digital payment services. The objective of this study was to analyze the adoption of Fintech payment services in Indonesia using the UTAUT theory approach. This study also considered the important role of national culture in strengthening the effect of the social influence variable in creating trust. The study added the government policy variable in strengthening the effect of facilitating a condition in creating trust. The study was conducted by distributing 310 questionnaires to freshly employed graduates who were digital payment services users. Further analysis was conducted with linear multiple regression using IBM SPSS 26. The study found that trust had the highest effect in creating the adoption decision in digital payment services, followed by government policies in strengthening the facilitating conditions. Meanwhile, performance and effort expectancy, social influence and facilitating condition did not have a direct influence on customer trust. Uncertainty avoidance, masculinity and long-term orientation also did not have a strengthening effect of social influence in gaining trust. Keywords: UTAUT, national culture, government policy, trust, adoption in digital payment
The main purpose of this study is to investigate the role of the quality of accounting information in improving the effectiveness of pre-financial crisis management. The importance of accounting information stems from reducing the state of uncertainty and increasing the level of confidence of the decision-maker, especially during critical times such as financial crises. Therefore, by understanding this role in managing financial crises, Palestinian government universities can effectively detect early signs of the financial crisis, which in turn enhances their ability to prepare for and prevent the financial crisis. In fact, this contributes to supporting the ability of these universities to create and follow a proactive strategy in facing and limiting financial crises, in which the quality of accounting information performs a crucial role. The study used the descriptive analytical method and the quantitative approach, where the manual questionnaire was adopted as a tool for data collection. The population of the study is represented by the employees of the accounting and financial departments at Al-Aqsa University, which are 40 employees, and they all constituted the sample of the study. The study relied on the to analyze data and test hypotheses. The findings revealed a statistically significant impact of the quality of accounting information in achieving the effectiveness of pre-financial crisis management. Accordingly, the study recommended the necessity of availability and reliance on high quality accounting information for its critical and vital role in detecting early signs of the financial crisis and improving preparedness and prevention capabilities. Future research is recommended to focus on exploring the mediating and moderating factors that affect the relationship between the quality of accounting information and pre-financial crisis management.
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