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The Impact of Trust on Consumer Attitude towards Fintech: Mediating Effect of Perceived Ease of Use and Perceived Usefulness
Syadiyah Abdul Shukor and Puji Sucia Sukmaningrum

Syadiyah Abdul Shukor
Faculty of Economics and Muamalat
Universiti Sains Islam Malaysia
syadiyahas[at]usim.edu.my

Puji Sucia Sukmaningrum
Faculty of Economics and Business
Universitas Airlangga
puji.sucia[at]feb.unair.ac.id


Abstract

Fintech, the abbreviation for financial technology, is a broad category that refers to the influx of technology tools, platforms, and ecosystems that make financial services or products more accessible, efficient, and affordable. This study aims to examine the impact of trust in influencing consumer attitude towards fintech and mediating effect of perceived ease of use and perceived usefulness between trust and consumer attitude towards fintech. The findings of this paper are based on 350 samples. Descriptive analysis, exploratory factor analysis, regression analysis, and mediation analysis are used to analyse the data. The results indicate that: a) trust, perceived ease of use, and perceived usefulness influence consumer attitude towards fintech, b) perceived ease of use influence perceived usefulness, and c) perceived ease of use and perceived usefulness mediate the effect between trust and attitude towards fintech. The study attempts to represent research discovery about Malaysian behaviour towards fintech.

Keywords: fintech, consumer attitude, Malaysia

Topic: Islamic Finance Technology (Shariah Fintech)

Link: https://ifory.id/abstract/pb47KuAYEtq6

Conference: THE 4th ANNUAL ISLAMIC FINANCE CONFERENCE (AIFC 2019)

Plain Format | Corresponding Author (puji sucia sukmaningrum)

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