The Covid-19 pandemic reshaped how people interact with financial services, creating shifts in behavior, savings habits, and financial literacy that continue to influence Fintech adoption.
This study enriches the existing literature by analyzing the drivers of adoption, particularly focusing on perceived trust, individual innovativeness, saving habits, and government support among Indonesian users. By strengthening the Technology Acceptance Model (TAM), the research highlights how these factors shape adoption behavior in the post-pandemic era.
Using survey data from 536 Indonesian respondents, the study applies Structural Equation Modelling (SEM) with moderator variables to test its hypotheses.
The results show that ease of use, usefulness, trust, and personal innovativeness are the main drivers of adoption intentions. Interestingly, savings habits amplify the effect of government support, making them a crucial element in promoting broader Fintech adoption.
From a practical perspective, this research provides two key implications:
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Digital finance companies should enhance service quality and strengthen app security to build greater trust and usability.
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The government should actively support the growth of a Fintech startup ecosystem through regulatory backing, ensuring sustainable progress in Indonesia’s digital finance sector.
👉 Read the full article here to explore the detailed findings and their implications for policymakers, practitioners, and entrepreneurs.