Analisis Pengaruh Brand Image, Trust, Security, Perceived Usefulness, Perceived Ease Of Use Terhadap Adoption Intention Fintech Di Kota Batam

Suprapto, Yandi; Farida, Farida

doi:10.36778/jesya.v5i1.569

Cited by 3 publications

(4 citation statements)

References 16 publications

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“…Brand image plays a crucial role in influencing the willingness to use a service. A good brand image can increase user intention, indicating that the company offers the best services [34]. Therefore, brand image serves as a guarantee for products and services, clearly outlining the company's commitment to improving service recognition and user satisfaction [10], [35].…”

Section: A Related Workmentioning

confidence: 99%

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The Role of Brand Image and Trust in the Adoption of FinTech Digital Payment for Online Transportation

Winanti,

Fernando

2024

J. Inf. Syst. Eng. Bus. Intell.

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Background: The widespread use of financial technology (FinTech) is a popular aspect across various fields, particularly in online transportation. However, the usage has led to an increase in illegal FinTech, causing significant problems for public. Issues related to account security, such as hacks leading to the loss of user balances and misuse of data, contribute to the erosion of brand image and public trust. Despite the growing prominence of FinTech, explorations on the application in the context of online transportation remain limited. Previous studies have not discussed the impact of brand image on perceived usefulness and ease of use. Therefore, this current study explores the importance of combining brand image and trust factors to increase user intention. This process is achieved by investigating brand image and trust as crucial factors influencing increased perceived ease and benefits during the integration of FinTech in online transportation services. Objective: This study aimed to measure the impact of brand image and trust factors on the adoption of FinTech in online transportation. Methods: The investigation was carried out with a quantitative analysis approach using Partial Least Squares–Structural Equation Modeling (PLS–SEM). Furthermore, it focused on understanding FinTech services in online transportation, incorporating factors such as trust, brand image, perceived ease of use, perceived usefulness, and user intention. Data were collected by using a purposive sampling method through online questionnaire distribution. PLS-SEM was adapted for analyzing variable relationships, hypotheses, and models. Results: The results showed that factors including trust, perceived ease of use, and perceived usefulness significantly influenced the willingness to use FinTech in online transportation services. However, it was observed that brand image factors did not impact user intentions. Conclusion: This study showed a critical aspect in understanding the value of FinTech services by explaining the importance of establishing trust and building a good brand image as precursors. These factors indirectly contributed to increased perceived benefits and ease of use. Therefore, the insights offered valuable input for companies aiming to develop trusted FinTech platforms with a positive product image. Keywords: Brand Image, Trust, FinTech, Online Transportation

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Section: A Related Workmentioning

confidence: 99%

“…Brand image incorporates a combination of terms, names, designs, and symbols used to identify and distinguish a product or service [34]. Furthermore, it is a crucial aspect that requires attention from every company.…”

Section: B Hypothesis Development 1) Brand Imagementioning

confidence: 99%

The Role of Brand Image and Trust in the Adoption of FinTech Digital Payment for Online Transportation

Winanti,

Fernando

2024

J. Inf. Syst. Eng. Bus. Intell.

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“…Prior researches have several gaps, like previous studies have inconsistent empirical findings (Farida, 2022;Saleem, 2021;Singh et al, 2021;Suprapto, 2022). Furthermore, previous studies primarily focused on developed economies (Ioannou & Wo´jcik, 2022;Moreira-Santos et al, 2022;Singh et al, 2020), neglecting developing economies, especially Pakistan (Oladapo et al, 2022;Zakariyah et al, 2022).…”

Section: Introductionmentioning

confidence: 97%

Data Security, Customer Trust and Intention for Adoption of Fintech Services: An Empirical Analysis From Commercial Bank Users in Pakistan

et al. 2023

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The research aims to empirically investigate the effect of perceived easiness of use (PEU), perceive usefulness (PU), data security (DAS) on adoption intention of Fintech services through Fintech promotion (FP), and customer trust (CT) in commercial banks of Pakistan using Technology Acceptance Model (TAM) in Pakistan. The data of 297 banking services users were collected through self-administered survey. This quantitative study employs cross sectional research design, and data was analyzed through Partial Least Square (PLS)-Structural Equation Modeling (SEM) technique. The regression results indicate that DAS, PEU, PU, FP, CT have positive and significant influence on adoption intention of Fintech Services. The PEU, DAS, PU also have positive and significant effect on CT. In addition, customers’ perception about DAS and PEU also have a positive and significant influence on customers’ perception about importance of FP. On the contrary, FP has insignificant effect on CT and PU also has insignificant effect on FP. Based on researchers findings, this study would be an addition to the existing literature pertaining to adoption of Fintech services by providing novel understanding about the determinants of users’ behavior for adoption of Fintech services. Therefore, this study could help to regulators that how data security through proper IT infrastructure could help to increase the adoption of Fintech. Moreover, findings of the study also indicates that it is precisely important for Fintech innovators to understand their customers’ attitude regarding transparency of data and its security. Such operational activities enable customers to be aware of adequate use of their data and its secure storage.

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“…Variabel tersebut dapat dipengaruhi oleh perceived risk, kepercayaan, dan kenyamanan (Nguyen, 2020). Sementara, studi lain menunjukkan bahwa penggunaan layanan perbankan digital dipengaruhi oleh citra merek, kepercayaan, keamanan, perceived usefulness, dan perceived ease of use (Suprapto & Farida, 2022).…”

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Kepercayaan merek, pengetahuan mengenai fintech, keamanan, dan kenyamanan dalam memprediksi penggunaan jasa digital banking di Kepulauan Riau

Hendi,

Keni

2023

J. Manaj. Bisnis dan Kewirausahaan

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This study aims to analyze the effect of brand trust, knowledge of fintech, security, and convenience on the use of digital banking services. This study is a descriptive study technique with a quantitative approach, whereas data collection was conducted cross-sectionally. This study collected data from 219 respondents who are bank customers at Tanjung Pinang and have been currently using digital banking services. The data was collected online by distributing questionnaires with Google Form. Moreover, data was analyzed by using the Partial Least Square Structural Equation Modeling (PLS-SEM) method by using SmartPLS 3.3.9 software. This study showed that brand trust, knowledge of fintech, security, and convenience have a positive effect on the use of digital banking services. Penelitian ini bertujuan untuk menganalisis pengaruh kepercayaan merek, pengetahuan mengenai fintech, keamanan, dan kenyamanan terhadap penggunaan jasa digital banking. Penelitian ini adalah penelitian deskriptif yang dilakukan dengan pendekatan kuantitatif, dimana pengumpulan data dilakukan secara cross-sectional. Penelitian ini memperoleh data dari 219 responden yang merupakan nasabah di Tanjung Pinang dan sedang menggunakan jasa digital banking. Pengumpulan data dilakukan secara online dengan menyebarkan kuesioner melalui Google Form. Selanjutnya, data dianalisis menggunakan metode Partial Least Square-Structural Equation Modeling (PLS-SEM) melalui software SmartPLS 3.39. Penelitian ini menunjukkan bahwa kepercayaan merek, pengetahuan mengenai fintech, keamanan, dan kenyamanan berpengaruh positif terhadap penggunaan jasa digital banking.

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Analisis Pengaruh Brand Image, Trust, Security, Perceived Usefulness, Perceived Ease Of Use Terhadap Adoption Intention Fintech Di Kota Batam

Cited by 3 publications

References 16 publications

The Role of Brand Image and Trust in the Adoption of FinTech Digital Payment for Online Transportation

The Role of Brand Image and Trust in the Adoption of FinTech Digital Payment for Online Transportation

Data Security, Customer Trust and Intention for Adoption of Fintech Services: An Empirical Analysis From Commercial Bank Users in Pakistan

Kepercayaan merek, pengetahuan mengenai fintech, keamanan, dan kenyamanan dalam memprediksi penggunaan jasa digital banking di Kepulauan Riau

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