Published date: Apr 05 2024

Journal Title: KnE Social Sciences

Issue title: Brawijaya International Conference on Business Administration, Taxation, and Tourism (BICBATT 2023)

Pages: 324–335

DOI: 10.18502/kss.v9i11.15804

Indra Dharma Wijayaindradharma@student.ub.ac.idFaculty of Administrative Science, Brawijaya University, Malang, Indonesia

Endang Siti AstutiFaculty of Administrative Science, Brawijaya University, Malang, Indonesia

Edy YuliantoFaculty of Administrative Science, Brawijaya University, Malang, Indonesia

Yusri AbdillahFaculty of Administrative Science, Brawijaya University, Malang, Indonesia

The advancement of information technology fosters business transaction activities that necessitate its continued development in terms of both usefulness and intentions, including the use of information technology-based financial services, commonly referred to as financial technology (fintech). This article aims to examine conceptual studies on the desire to utilize financial technology as it is mediated by perceived security, trust, and risk. This conceptual article aims to discuss the perceptions of users/potential users of fintech applications, discuss previous research on fintech, and propose a conceptual framework regarding intention to use fintech applications. The research results are expected to be taken into consideration for users/prospective users who adopt fintech applications by mediating perceived risk, trust, and perceived security.

Keywords: fintech, intention to use, perceived risk, perceived security, trust

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