Citation:

Henryanto Wijaya, Carunia Mulya Firdausy, Indra Widjaja. "Do Gender Moderate Fintech Usage Adoption ?" International Research Journal of Economics and Management Studies, Vol. 3, No. 9, pp. 344-355, 2024.

Abstract:

Fintech adoption is sweeping many countries around the world at great speed. However, while the promise of gains for fintech adoption is immense, the rates remain relatively uneven across different demographic groups. In this study, we explore factors influencing fintech usage adoption in Jakarta, focusing specifically on the moderating role of gender. Building on the TAM and trust literature, this study examines how perceived usefulness, perceived ease of use, and trust shape fintech adoption intentions and moderate gender. Data were gathered from an online questionnaire that was dispersed to various users of Fintech in Jakarta for the second quarter of 2024. The sample consisted of 343 respondents, where 58.02% were female and 41.98% were male participants. A partial least squares structural equation modeling was adopted in the analysis process so as to test the validity of the hypotheses. Findings: The study based on the survey conducted indicates that usefulness, ease of use, and trust shape the adoption of fintech usage highly. Gender moderates the relationship between perceived usefulness and Fintech adoption and between trust and Fintech adoption. The study adds to the growing literature on the adoption of fintech usage by highlighting both user-friendly interfaces and trust-building measures as important enablers of fintech usage. The research is, therefore, an underpinning for the need to consider gender-specific approaches in a quest to promote the adoption of Fintech. Fintech firms and policymakers can, therefore, emphasize ease of use and trust building as key rallying factors while working to make their respective approaches relevantly specific to male and female users’ priorities. Further research would involve considering more contextual factors and expanding this study to other regions.

References:

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Keywords:

Fintech Usage Adoption; Perceived Usefulness; Perceived Ease of Use; Trust; Gender.