What Drives Individuals to Adopt Fintech: Extended TAM Model with Gender as Moderating Variable Article Swipe

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Moderation Financial inclusion Financial literacy Technology acceptance model Government (linguistics) Affect (linguistics) FinTech Business Inclusion (mineral) Usability Financial services Variable (mathematics) Poverty Instrumental variable Marketing Psychology Economics Economic growth Social psychology Finance Econometrics Computer science Human–computer interaction Linguistics Communication Philosophy Mathematical analysis Mathematics

Budi Setiawan , Deni Pandu Nugraha , Amanj Mohamed Ahmed , Emilda Emilda , Robert Jeyakumar Nathan ·

YOU? · · 2023 · Open Access · · DOI: https://doi.org/10.24252/minds.v10i1.35081 · OA: W4323320555

Access to financial services is pivotal in improving welfare, reducing poverty, and accelerating financial inclusion in the emerging nation. This study analyzes the factors that drive consumer adoption of fintech by extending the TAM model with financial literacy and government support, as well as gender as moderating variable. Data was collected from 397 respondents in Indonesia and analyzed using SmartPLS 3.0. The result shows that perceived usefulness, ease of use, financial literacy, and government support significantly affect the adoption of fintech. The moderation analysis reveals that men perceive usefulness as more important for fintech adoption and ease of use for women.