The Role of Digital Technology Self-Efficacy and Digital Technostress on Intention to Use FinTech: A Study on MSMEs in Surakarta City
This research aims to investigate the role of Digital Technology Self Efficacy and Digital Technostress on the intention to use FinTech among Micro, Small, and Medium Enterprises (MSMEs) in Surakarta City. This research uses a questionnaire survey with the criteria for respondents being MSMEs in any...
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| Format: | Article |
| Language: | English |
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Muhammadiyah University Press
2024-01-01
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| Series: | Riset Akuntansi dan Keuangan Indonesia |
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| Online Access: | https://journals2.ums.ac.id/index.php/reaksi/article/view/3820 |
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| author | Santi Putriani Sinta Putriana Khoirul Fuad Mega Wahyu Widawati Nur Prasetyo Aji |
| author_facet | Santi Putriani Sinta Putriana Khoirul Fuad Mega Wahyu Widawati Nur Prasetyo Aji |
| author_sort | Santi Putriani |
| collection | DOAJ |
| description | This research aims to investigate the role of Digital Technology Self Efficacy and Digital Technostress on the intention to use FinTech among Micro, Small, and Medium Enterprises (MSMEs) in Surakarta City. This research uses a questionnaire survey with the criteria for respondents being MSMEs in any field that provides FinTech options for transactions in the city of Surakarta. After obtaining a final sample of 138 MSMEs in Surakarta City, analysis was then carried out using SEM-PLS with the help of the Warp-PLS analysis tool. The research results show that even though all Technostress constructs such as overload, invasion, complexity, and uncertainty do not influence the intention to use FinTech among MSMEs in Surakarta City. However, Digital Technology Self-Efficacy can increase the intention to use FinTech among MSMEs in Surakarta City and can reduce the negative impact of the relationship between Digital Technostress and the intention to use FinTech among MSMEs in Surakarta City. The results of this research can be input for innovators and policymakers to make FinTech applications easier to use and inclusive so that MSMEs will continue to use FinTech and ultimately can participate in supporting sustainable development.
Keywords: FinTech, Technostress, Digital Technology Self Efficacy, MSMEs, Surakarta. |
| format | Article |
| id | doaj-art-5ff5fbd525cd4de3a3af79ef16f1c4ea |
| institution | DOAJ |
| issn | 2541-6111 |
| language | English |
| publishDate | 2024-01-01 |
| publisher | Muhammadiyah University Press |
| record_format | Article |
| series | Riset Akuntansi dan Keuangan Indonesia |
| spelling | doaj-art-5ff5fbd525cd4de3a3af79ef16f1c4ea2025-08-20T03:17:27ZengMuhammadiyah University PressRiset Akuntansi dan Keuangan Indonesia2541-61112024-01-018328730010.23917/reaksi.v8i3.38203832The Role of Digital Technology Self-Efficacy and Digital Technostress on Intention to Use FinTech: A Study on MSMEs in Surakarta CitySanti Putriani0Sinta Putriana1Khoirul Fuad2Mega Wahyu Widawati3Nur Prasetyo Aji4Universitas Muhammadiyah SurakartaUniversitas Slamet Riyadi SurakartaAccounting Research Institute, Universiti Teknologi MARA, Malaysia Universitas Muhammadiyah SurakartaUniversitas Muhammadiyah SurakartaThis research aims to investigate the role of Digital Technology Self Efficacy and Digital Technostress on the intention to use FinTech among Micro, Small, and Medium Enterprises (MSMEs) in Surakarta City. This research uses a questionnaire survey with the criteria for respondents being MSMEs in any field that provides FinTech options for transactions in the city of Surakarta. After obtaining a final sample of 138 MSMEs in Surakarta City, analysis was then carried out using SEM-PLS with the help of the Warp-PLS analysis tool. The research results show that even though all Technostress constructs such as overload, invasion, complexity, and uncertainty do not influence the intention to use FinTech among MSMEs in Surakarta City. However, Digital Technology Self-Efficacy can increase the intention to use FinTech among MSMEs in Surakarta City and can reduce the negative impact of the relationship between Digital Technostress and the intention to use FinTech among MSMEs in Surakarta City. The results of this research can be input for innovators and policymakers to make FinTech applications easier to use and inclusive so that MSMEs will continue to use FinTech and ultimately can participate in supporting sustainable development. Keywords: FinTech, Technostress, Digital Technology Self Efficacy, MSMEs, Surakarta.https://journals2.ums.ac.id/index.php/reaksi/article/view/3820fintechtechnostressdigital technology self efficacymsmessurakarta |
| spellingShingle | Santi Putriani Sinta Putriana Khoirul Fuad Mega Wahyu Widawati Nur Prasetyo Aji The Role of Digital Technology Self-Efficacy and Digital Technostress on Intention to Use FinTech: A Study on MSMEs in Surakarta City Riset Akuntansi dan Keuangan Indonesia fintech technostress digital technology self efficacy msmes surakarta |
| title | The Role of Digital Technology Self-Efficacy and Digital Technostress on Intention to Use FinTech: A Study on MSMEs in Surakarta City |
| title_full | The Role of Digital Technology Self-Efficacy and Digital Technostress on Intention to Use FinTech: A Study on MSMEs in Surakarta City |
| title_fullStr | The Role of Digital Technology Self-Efficacy and Digital Technostress on Intention to Use FinTech: A Study on MSMEs in Surakarta City |
| title_full_unstemmed | The Role of Digital Technology Self-Efficacy and Digital Technostress on Intention to Use FinTech: A Study on MSMEs in Surakarta City |
| title_short | The Role of Digital Technology Self-Efficacy and Digital Technostress on Intention to Use FinTech: A Study on MSMEs in Surakarta City |
| title_sort | role of digital technology self efficacy and digital technostress on intention to use fintech a study on msmes in surakarta city |
| topic | fintech technostress digital technology self efficacy msmes surakarta |
| url | https://journals2.ums.ac.id/index.php/reaksi/article/view/3820 |
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