The service level in community must be considered if it wants to continue to be used by the users. This research studies the adoption of Financial Technology (FinTech) services in the terms of trust and risk. The work employs the Technology Acceptance Model (TAM) theory as the theoretical basis combined with trust and perceived risk. The research method is quantitative. The data are analyzed by the Structural Equation Model (SEM) using Smart PLS V2.0. The researchers use a questionnaire in Google Form to collect the data. It is distributed online with the snowball data collection technique. As a result, 548 respondents are successfully gathered. The results indicate that the factor of users trusts influences perceived usefulness in the adoption to use FinTech services. However, the risk factor does not affect the use of FinTech services, which further does not influence the users’ attitude. The work contributes to the study of the adoption of FinTech services, which provides a view determining the users’ intention to use FinTech services in Indonesia.

This study explores the influence of trust and risk in the use of FinTech in Indonesian society. This exploration is based on findings from previous studies that suggest that trust and risk are important aspects in considering the use of FinTech. The focus of this research is to develop and validate the research instruments that will be used next. The basic theory of model development uses the theory of Technology Acceptance Model (TAM) developed by Davis. The models and instruments developed will be through pilot studies involving 133 communities as respondents. This Study is quantitative research and data obtained were analyzed using smart pls v3.0. This analysis is conducted to ensure the level of reliability and validity of the instrument. The results of this analysis find 31 instruments that are stated reliable and validity. So it can be used for collecting data from a survey in accordance with the research.

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