Factors Affecting the Level of Trust of MSMEs in Using Fintech Using the Technology Acceptance Model (TAM)
Open accessAbstract
This study was conducted to determine the interest in using financial technology (fintech) peer to peer lending (p2p lending) in MSMEs.The model used is the Technology Acceptance Model (TAM) which is to see the successful application of information technology and the variables used are perceived ease of use, perceived usefulness, trust, and attitudes towards user interest in using financial technology (fintech) peer to peer lending (p2p lending).The data used in this study are primary data with the data collection method using a questionnaire.Then the data analysis method used is SEMPLS with the help of SmartPLS software.In this study, the number of samples or respondents who filled out and returned the questionnaire were 64 respondents.The results of this study indicate that perceived ease of use has a significant effect on perceived usefulness, perceived usefulness has a significant effect on trust, trust has a significant effect on attitude, and attitude has a significant effect on user interest.The finding in this study is that perceived ease of use does not have a significant effect on trust.Suggestions for further research are to add variables not examined in this study such as security, risk, etc.And the findings in this study can be reviewed so that it can be seen whether they get the same or different results from this study.
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Institutional trust strongly predicts adoption intention for digital banking and MSME FinTech platforms.
“Balaskas et al. [23] and Putri et al. [25] found that institutional trust strongly predicts adoption intention for digital banking and MSME FinTech platforms.”
From Institutional Trust, Risk-Taking, and FinTech Adoption: Evidence from an Emerging Economy (2026) · cites this paper as [25]
In “The Effect of Trust on Attitude” (page not given), the paper reports that trust significantly affects MSME users’ attitudes toward P2P lending fintech; it separately reports that attitude affects interest in using it. It does not establish that institutional trust directly or strongly predicts adoption intention, and its MSME study does not address digital banking. (LLM, conf=0.83)
Experimental — accuracy not yet measuredHigh confidence in banks, regulators, and FinTech providers lowers perceived risk and increases adoption likelihood.
“High confidence in banks, regulators, and FinTech providers lowers perceived risk and increases adoption likelihood [23,25,26].”
From Institutional Trust, Risk-Taking, and FinTech Adoption: Evidence from an Emerging Economy (2026) · cites this paper as [25]
The Conclusions (section 6; page unavailable) report that trust in P2P lending fintech positively affects MSME users’ attitudes. The discussion of hypothesis 8 also links positive attitudes to interest in using it, which offers indirect support for increased adoption likelihood. The paper does not establish that confidence in banks or regulators lowers perceived risk, or that trust directly increases adoption. (LLM, conf=0.86)
Experimental — accuracy not yet measuredIn emerging economies, institutional trust is particularly important because it reduces perceived risk and uncertainty.
“In emerging economies, institutional trust is particularly important because it reduces perceived risk and uncertainty [12,25,26].”
From Institutional Trust, Risk-Taking, and FinTech Adoption: Evidence from an Emerging Economy (2026) · cites this paper as [25]
The Introduction discusses trust in fintech services among Indonesian MSMEs, and the Conclusions report links between perceived usefulness, trust, and attitudes; neither addresses institutional trust reducing perceived risk or uncertainty. Searches for “institutional,” “uncertainty,” and “perceived risk” found no passage supporting that mechanism or its particular importance in emerging economies. Page numbers were unavailable in our copy. (LLM, conf=0.76)
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Institutional Trust, Risk-Taking, and FinTech Adoption: Evidence from an Emerging Economy
Deák, Z., & Horváth, Á. B. (2026) · FinTech · doi:10.3390/fintech5020027 · Cited by 3 · see citing works
- Authors
- Putri, S. A., Sartika, D., Gunarto, M., & Helmi, S.
- Affiliations
- Universitas Bina Darma (ID)
- Venue
- Proceedings of the International Conference on Industrial Engineering and Operations Management
- Publisher
- IEOM Society International
- Published
- 2023-05-08
- OpenAlex
- W4385689124
- Semantic Scholar
- 3cc42c3e1b231c9dff5617ebddee189056a24712
- Cited by
- 2
- References
- 7
- Citations by year
- 2026: 1 · 2025: 1
- FWCI
- 1.40
- Type
- conference paper
- Language
- en
- Open access
- bronze
- doi.org
- Locations
- International Conference on Industrial Engineering and Operations Management (IEOM) (publishedVersion)
- Topics
- Social Sciences › Decision Sciences › Information Systems and Management › Technology Adoption and User Behaviour
- Social Sciences › Business, Management and Accounting › Management Information Systems › FinTech, Crowdfunding, Digital Finance
- Social Sciences › Business, Management and Accounting › Accounting › Financial Literacy and Behavior
- Keywords
- fintech adoption, peer-to-peer lending, micro, small and medium enterprises, trust in fintech, perceived ease of use, perceived usefulness, user attitudes, technology acceptance model, user interests
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