Understanding Fintech Lending in Indonesia Using Technology Acceptance Model (TAM)

This study examines the influence of perceived usefulness and perceived ease of use on the intention to adopt fintech lending applications in Indonesia. The independent variables analyzed are perceived usefulness and perceived ease of use, with the dependent variable being the adoption of fintech lending applications. Using a quantitative approach and descriptive methodology, the research draws on primary data from 182 respondents. Sampling is conducted through a non-probability, purposive sampling method, focusing on individuals who have used fintech lending applications and reside in Indonesia. Questionnaires were distributed to respondents meeting these specific criteria. The results of the study, based on multiple regression analysis, demonstrate a significant positive relationship between perceived usefulness, perceived ease of use, and the adoption of fintech lending applications. The findings suggest that users are more inclined to adopt fintech lending platforms when they perceive them as easy to use, offering quick access to loans without requiring extensive information or documentation. This highlights the importance of user-friendly and efficient application design in encouraging the adoption of fintech lending technologies.