Usefulness and the Risks of Fintech payment for SMEs in Ambon City

Micrets Agustina Silaya


The development of information technology makes people today tend to want to carry out their activities practically and quickly. The financial sector is one of the most affected by technological developments. The manifestation of the development of technology and information in the financial sector is the emergence of financial technology (fintech). Fintech can help Micro, Small and Medium Enterprises (SMEs) during the current pandemic as a form of business innovation that is expected to increase market share, as well as a step in overcoming problems related to capital financing, preparation of financial reports, payments and marketing, and financial transactions. and other financial literacy. The use of a technology certainly always provides benefits to its users, but there is always a negative side, namely the risks that will accompany it.

This study aims to determine and analyze the influence of the Usefulness and Risk of Fintech SMEs in Ambon City. This study uses a quantitative method by distributing surveys to 54 SMEs in Ambon City using convenience sampling technique.

The test results with SEM-PLS show that perceived trust, perceived risk and perceived usefulness affect the intention to use fintech payments for SMEs actors. Trust is the strongest factor in encouraging the intention to use fintech payments. For perceived ease of use and perceived risk have no effect on attitude and perceived usefulness. attitude has no effect on the intention to use fintech payment. Based on the path value calculation, the most powerful factor influencing the intention to use fintech payments is perceived trust.


Usefulness; Risk; Fintech Payment; SMEs

Full Text:



Aditya, R., & Wardhana, A. (2016). The effect of perceived usefulness and perceived ease of use on behavioral intention with the Technology Acceptance Model (TAM) approach to Instant Messaging LINE users in Indonesia. Journal of Business Strategy, 20(1), 24-32. t3

Aditya, R., & Wardhana, A. (2018). The Influence of Perceived Usefulness and Perceived Ease Of Use on Behavioral Intention with a Technology Acceptance Model (TAM) Approach to Users. Business

Strategy, (April 2016). t3

Bangkara, RP, Putu, N., & Harta, S. (2016). The Influence of Perceived Usefulness and Perceived Ease Of Use on Internet Banking User Interest with Attitude Toward Using as an Intervening Variable. Udayana University Accounting E-Journal, 16(3), 2408–2434. BI, GB PBI Number: 18/40/PBI/2016. , (2016).

Dijkstra, TK, & Henseler, J. (2015). Consistent and Asymptotically Normal PLS Estimators for Linear Structural Equations. Computational Statistics & Data Analysis, 81(1), 10–23. Retrieved from html?no=124000

Hair, JF (2010). Multivariate Data Analysis (7th Edition).

Harlow: England. Hifan, N. (2017). Fintech Services for SMEs.

Himmaugm. (2018). The Transformative Power Of Fintech. Access '18 Accounting Competition & Strategic Seminar, 1–90. Yogyakarta: Gajah Mada University.

Huei, CT, Cheng, LS, Seong, LC, Khin, AA, & Leh Bin, RL (2018). Preliminary study on consumer attitude towards fintech products and services in Malaysia. International Journal of Engineering and Technology (UAE), 7(2), 166–169. 10

Meyliana, M., And, EF-C. (Communication, & 2019, U. (2019). The Influence of Perceived Risk and Trust in Adoption of FinTech Services in Indonesia. Journal.Binus.Ac.Id, 13(1), 31–37. Retrieved from mit/article/view/5708

Muzdalifa, I., Rahma, IA, & Novalia, BG (2018). The Role of Fintech in Improving Financial Inclusion for SMEs in Indonesia. Journal of Islamic Banking and Economics, 3(1).

Nursiah, N. (2017). The Effect of Perceived Ease Of Use and Perceived Usefulness on Behavior Intention To Use.


Copyright (c) 2022 Media Trend

Creative Commons License

Mediatrend © 2015 - Journal of Economic & Development Studies | Development Economics Program - Faculty of Economics and Bussiness, Trunojoyo University