DETERMINANTS OF ACTUAL FINTECH USE IN MSMES: A MEDIATION EFFECT OF BEHAVIORAL INTENTION ON ATTITUDE AND ACTUAL USE
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Dedy Dedy(1*)
Department of Management, Institut Shanti Bhuana
-
Maya Sari(2)
Department of Technology Imformation, Institut Shanti Bhuana
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Eligia Monixa Salfarini(3)
Department of Management, Institut Shanti Bhuana
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Aldy Agustian(4)
Department of Management, Faculty of Economic and Business, Universitas Cipasung
(*) Corresponding Author
Keywords:
Attitude Toward Use, Behavior Intention To Use, Actual Use, Financial Technology
Abstract
This study aims to determine the relationships among attitude toward use, behavioral intention to use, and actual use by utilizing the technology acceptance model. A quantitative research design was using multiple linear regressions. The study involved 90 samples from MSMEs in border areas selected through purposive sampling. The results indicate that attitude toward use significantly and positively affects actual use directly. Furthermore, behavioral intention to use also has a strong and significant effect on actual use. Behavioral intention to use as a mediator also gives a partial mediation between attitude toward use and actual use. These findings highlight that while positive attitudes can directly affect actual use, behavioral intention further enhances the likelihood of actual technology adoption. The study concludes that effective strategies to improve financial technology usage should simultaneously build positive attitudes and strengthen behavioral intention.
Keywords: Attitude Toward Use; Behavior Intention To Use; Actual Use; Financial Technology
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References
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Sumantri, H., Tukiran, M., & Hannan, S. (2023). Using Technology Acceptance Model (TAM Model) To Increase Effectiveness The Use Of Human Resource Information System (HRIS). Jurnal Manajemen, 14(3), 344–363.
Https://Doi.Org/10.32832/Jm-Uika.V14i3.14492
Taylor, S., & Todd, P. A. (1995). Understanding Information Technology Usage: A Test of Competing Models. Information Systems Research. 6(2), 144-176. doi:https://doi.org/10.1287/isre.6.2.144
Venkatesh, V., & Davis, F. D. (2000). Theoretical Extension Of The Technology Acceptance Model: Four Longitudinal Field Studies. Management Science, 46(2), 186–204. Https://Doi.Org/10.1287/Mnsc.46.2.186.11926
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Wibowo, H. M., Maghfiroh, I. S. E., & Rokhmawati, R. I. (2017). Analisis Faktor-Faktor Yang Memengaruhi Intention To Use Dan Actual Usage Dalam Penggunaan Aplikasi Beam Di Lingkungan Universitas Brawijaya. Jurnal Pengembangan Teknologi Informasi Dan Ilmu Komputer, 1(1), 2548–2964. Http://J-Ptiik.Ub.Ac.Id
Ajzen, I. (1991). The Theory of Planned Behavior. Organizational Behavior and Human Decision Processes(50), 179-211.
Anam, K. (2023, Januari 26). CNBC Indonesia. Dipetik Maret 29, 2025, dari https://www.cnbcindonesia.com/market/20230126155915-17-408507/umkm-belum-konsisten-manfaatkan-platform-digital-ada-apa
Antika, Z. R., Rusmana, O., & Widianingsih, R. (2023). Analisis Determinasi Minat Dan Penggunaan Financial Technology Payment Menggunakan Theory Of Planned Behavior: Studi Pada Mahasiswa Unsosed (Analysis Of Determination Of Interest And Use Of Financial Technology Payment Using Theory Of Planned Behavior: St. Jurnal Ilmu Siber Dan Teknologi Digital (JISTED), 1(2), 111–124. Https://Doi.Org/10.35912/Jisted.V1i2.2097
Awaluddin, M. (2023). Evaluating Factors Affecting The Adoption Of A Mobile Assisted Business Application Using The Technology Acceptance Model. 2(3), 75–87.
Chen, S., & Guo, Q. (2024). Fintech And Mses Innovation: An Empirical Analysis. JLEO. Http://Arxiv.Org/Abs/2407.17293
Davis, F. D. (1989). Perceived Usefulness, Perceived Ease Of Use, And User Acceptance Of Information Technology. MIS Quarterly, 13(3), 319–340.
Http://Www.Jstor.Org/Stable/249008
Dinas Koperasi UKM Provinsi Kalimantan Barat. (2023). Laporan Perkembangan Koperasi UMKM. Pontianak.
Fauzi, A., Widodo, T., & Djatmiko, T. (2018). Pengaruh Behavioral Intention Terhadap Use Behavior Pada
Penggunaan Aplikasi Transportasi Online (Studi Kasus Pada Penggunaan Go-Jek Dan Grab Di Kalangan Mahasiswa Telkom University). E-Proceeding Of Management, 5(2), 1699–1796.
Https://Doi.Org/10.34148/Teknika.V13i1.761
Fauziah, S. E., & Amrie, M. Al. (2023). Pengembangan Ekonomi Kreatif Berbasis Kearifkan Lokal Umkm Perbatasan Dalam Mengurangi Pengangguran Sebatik Tengah. Jurnal Ilmiah MEA, 7(3), 1705–1718.
Hair, J. F., Sarstedt, M., Pieper, T. M., & Ringle, C. M. (2012). The Use Of Partial Least Squares Structural Equation Modeling In Strategic Management Research : A Review Of Past Practices And Recommendations For Future Applications. 45, 320–340.
Hanggono, A. A., Handayani, S. R., & Susilo, H. (2015). Analisis Atas Praktek TAM Dalam Mendukung Bisnis Online Dengan Memanfaatkan. Jurnal Administrasi Bisnis, 26(1), 1–9.
Hermanto, S. B., & Patmawati, P. (2017). Determinan Penggunaan Aktual Perangkat Lunak Akuntansi Pendekatan Technology Acceptance Model. Jurnal Akuntansi Dan Keuangan, 19(2), 67–81. Https://Doi.Org/10.9744/Jak.19.2.67-81
Husna, N. L., Cahyaningsih, D. S., & Kumar, A. M. (2025). Pengaruh Perceived Usefulness Dan Perceived Ease Of Use Terhadap Actual Usage Melalui Attitude Toward Using Dalam Digitalisasi Sistem Perpajakan Umkm. Jurnal Ilmiah Fokus Ekonomi, Manajemen, Bisnis & Akuntansi (EMBA), 4(2), 257–274.
Https://Doi.Org/10.34152/Emba.V4i2.1449
Irianto, A. B. P., & Chanvarasuth, P. (2025). Drivers And Barriers Of Mobile Payment Adoption Among Msmes: Insights From Indonesia. Journal Of Risk And Financial Management, 18(5). Https://Doi.Org/10.3390/Jrfm18050251
Jam’an. (2020). Penerapan Teori Technology Acceptance Model Dalam Perilaku Pengguna Teknologi Internet ( Studi Perilaku Dalam Menerima Teknologi Internet ). Jurnal Manajemen Perbankan Keungan Nitro, 3(2), 73–85.
Kalangit, D. O. C., Batoteng, H., Handayani, D. K., Shabuna, J. F. S., & Jamila, S. (2024). Jurnal Akuntansi Keuangan Dan Bisnis Politeknik Caltex Riau Analisis Faktor Yang Mempengaruhi Intention To Use Whatsapp Bisnis. 17(November), 98–105.
Mahendra, I. (2016). The Use Of Technology Acceptance Model (TAM) In Evaluating User Acceptance Of Information Systems At PT. Ari Jakarta. 2, 183–195. Www.Ekbis.Sindonews.Com,
Muntianah, S. T., Astuti, E. S., & Azizah, D. F. (2012). Pengaruh Minat Perilaku Terhadap Actual Use Teknologi Informasi Dengan Pendekatan Technology Acceptance Model (TAM). Profit Universitas Brawijaya Malang, 6(1), 1–26.
Pane, I., Hadju, V. A., Maghfuroh, L., Akbar, H., Simamora, R. S., Lestari, Z. W., Galih, A. P., Wijayanto, P. W., Waluyo, Uslan, & Aulia, U. (2021). Desainpenelitianmixedmethod. Yayasan Penerbit Muhammad Zaini.
Ramadhan, K. A., Meiriza, A., Oktadini, N. R., Putra, P., & Sevtiyuni, P. E. (2024). Penerapan Metode Technology Acceptance Model Untuk Mengetahui Tingkat Penerimaan Pengguna Aplikasi Video. Jteksis (Jrunal Teknologi Dan Sistem Informasi Bisnis), 6(2), 266–274. Https://Doi.Org/10.35957/Jatisi.V8i1.621
Reswari, A. A., & Usman, B. (2024). Implementasi Pengujian Model TAM Pada Aplikasi QRIS MERCHANT: Studi Empiris Di Kota Bengkulu. Jurnal Ilmiah Manajemen Bisnis Dan Inovasi, 11(1), 405–415.
Rivaldi, S. & Dinaroe. (2022). Faktor-Faktor Yang Mempengaruhi Minat Penggunaan Fintech Pada Umkm Di Kota Banda Aceh Menggunakan Pendekatan Technology Acceptance Model (TAM). Jurnal Ilmiah Mahasiswa Ekonomi Akuntansi (JIMEKA), 7(1), 1.
Safitri, M., Muharam, H., Pangestuti, I. R. D., Serang, A. E. D., Kalsum, U., Pasagi, Y., & Putri, E. L. H. (2025). The Role Of Financial Technology (Fintech) In Enhancing Msmes’ Access To Finance: A Study From The Perspective Of Financial Management. Oikonomia : Journal Of Management Economics And Accounting, 2(3), 28–36. Https://Doi.Org/10.61942/Oikonomia.V2i3.339
Serang, A. E. D., Kalsum, U., Pasagi, Y., & Putri, E. L. H. (2025). The Role Of Financial Technology (Fintech) In Financial Inclusion And MSME Growth In Indonesia. Oikonomia : Journal Of Management Economics And Accounting, 2(3), 28–36. Https://Doi.Org/10.61942/Oikonomia.V2i3.339
Siswoyo, A., & Irianto, B. S. (2023). Analisis Technology Acceptance Model (TAM) Terhadap Pengguna Aplikasi Mobile Banking. Owner, 7(2), 1196–1205. Https://Doi.Org/10.33395/Owner.V7i2.1440
Sumantri, H., Tukiran, M., & Hannan, S. (2023). Using Technology Acceptance Model (TAM Model) To Increase Effectiveness The Use Of Human Resource Information System (HRIS). Jurnal Manajemen, 14(3), 344–363.
Https://Doi.Org/10.32832/Jm-Uika.V14i3.14492
Taylor, S., & Todd, P. A. (1995). Understanding Information Technology Usage: A Test of Competing Models. Information Systems Research. 6(2), 144-176. doi:https://doi.org/10.1287/isre.6.2.144
Venkatesh, V., & Davis, F. D. (2000). Theoretical Extension Of The Technology Acceptance Model: Four Longitudinal Field Studies. Management Science, 46(2), 186–204. Https://Doi.Org/10.1287/Mnsc.46.2.186.11926
Walean, R. H., Siwy, C. G., Mandagi, D. W., Klabat, U., Id, D. A., & Author, C. (2025). Swipe, Shop, Repeat: Investigating Technology Acceptance In Indonesia’s Leading E-Commerce. Management Studies And Entrepreneurship Journal, 6(3), 1814–1832. Http://Journal.Yrpipku.Com/Index.Php/Msej
Wibowo, H. M., Maghfiroh, I. S. E., & Rokhmawati, R. I. (2017). Analisis Faktor-Faktor Yang Memengaruhi Intention To Use Dan Actual Usage Dalam Penggunaan Aplikasi Beam Di Lingkungan Universitas Brawijaya. Jurnal Pengembangan Teknologi Informasi Dan Ilmu Komputer, 1(1), 2548–2964. Http://J-Ptiik.Ub.Ac.Id
Published
2025-11-30
How to Cite
Dedy, D., Sari, M., Salfarini, E. M., & Agustian, A. (2025). DETERMINANTS OF ACTUAL FINTECH USE IN MSMES: A MEDIATION EFFECT OF BEHAVIORAL INTENTION ON ATTITUDE AND ACTUAL USE. Journal of Management : Small and Medium Enterprises (SMEs), 18(3), 2227-2239. https://doi.org/10.35508/jom.v18i3.26162
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Articles
