TY - GEN
T1 - Examining Determinant of Behavioral Intention to Continue Using Online Loans Through Expectation-Confirmation Model in The Context of Fintech Lending in Indonesia
AU - Apriyansyah, Bahalwan
AU - Nareswari, Ninditya
AU - Prasetyo, Yogi Tri
AU - Rohman, Mohammad Habibur
AU - Cahigas, Maela Madel
N1 - Publisher Copyright:
© 2024 Copyright is held by the owner/author(s). Publication rights licensed to ACM.
PY - 2024/10/22
Y1 - 2024/10/22
N2 - Financial technology has grown and received a positive response in Indonesia. One type of financial technology experiencing rapid development is fintech lending. Some advantages of fintech lending include ease of access, speed of process, and variety of offers. Therefore, fintech lending should focus on users' continued use to ensure the survival of information systems. The fintech company must evaluate current policy and create strategic action regarding the user's perspective experiences to maintain customer satisfaction, privacy, and trust. Preceding studies have demonstrated that Indonesian individuals consider several aspects when utilizing fintech loan services. Nevertheless, the research solely concentrated on the intention to use. Therefore, this study examines what factors influence fintech lending users to continue using the service. 200 respondents were successfully recruited virtually and answered 21 self-administered questions. Using the Expectation-Confirmation Model from Structural Equation Model, the results demonstrate that user satisfaction and trust are positively influenced by perceived usefulness, perceived security and privacy, and confirmation of user expectations. Moreover, continuance intention is positively influenced by trust and satisfaction. These results suggest that fintech lending services in Indonesia must develop strategies to enhance user satisfaction and trust to boost users' intentions to continue using the service. Considering the numerous theories and research on the influence of mediating variables, further research on mediating variables is quite interesting.
AB - Financial technology has grown and received a positive response in Indonesia. One type of financial technology experiencing rapid development is fintech lending. Some advantages of fintech lending include ease of access, speed of process, and variety of offers. Therefore, fintech lending should focus on users' continued use to ensure the survival of information systems. The fintech company must evaluate current policy and create strategic action regarding the user's perspective experiences to maintain customer satisfaction, privacy, and trust. Preceding studies have demonstrated that Indonesian individuals consider several aspects when utilizing fintech loan services. Nevertheless, the research solely concentrated on the intention to use. Therefore, this study examines what factors influence fintech lending users to continue using the service. 200 respondents were successfully recruited virtually and answered 21 self-administered questions. Using the Expectation-Confirmation Model from Structural Equation Model, the results demonstrate that user satisfaction and trust are positively influenced by perceived usefulness, perceived security and privacy, and confirmation of user expectations. Moreover, continuance intention is positively influenced by trust and satisfaction. These results suggest that fintech lending services in Indonesia must develop strategies to enhance user satisfaction and trust to boost users' intentions to continue using the service. Considering the numerous theories and research on the influence of mediating variables, further research on mediating variables is quite interesting.
UR - http://www.scopus.com/inward/record.url?scp=85211317095&partnerID=8YFLogxK
U2 - 10.1145/3690001.3690032
DO - 10.1145/3690001.3690032
M3 - Conference contribution
AN - SCOPUS:85211317095
T3 - ACM International Conference Proceeding Series
SP - 88
EP - 96
BT - ICIEB 2024 - Proceedings of 2024 4th International Conference on Internet and E-Business
PB - Association for Computing Machinery
T2 - 4th International Conference on Internet and E-Business, ICIEB 2024
Y2 - 8 July 2024 through 10 July 2024
ER -