Abstract:
The development of fintech that is present in Indonesia has led to various application
innovations. With the development of financial services, advancement of information
technologies, and evolution of financial sectors, digital investment application has
become a new opportunity in the financial industry. The purpose of this study is to
examine the factors that influence people's intention in using digital investment
application. The independent variables used in this research are perceived usefulness,
perceived ease of use, perceived risk, and perceived cost while dependent variable is
intention to use digital investment application, and mediating variable will be
represented by attitude towards the use of digital investment application. This
quantitative research used data from 317 respondents through online questionnaires
and analyzed by using SEM (Structural Equation Modelling). The result shows that
perceived usefulness and perceived cost influenced attitude towards the use of digital
investment application, but perceived ease of use and perceived risk do not
influenced attitude towards the use of digital investment application. Then, the
attitude towards the use of digital investment application influenced the intention to
use digital investment application. It suggested that financial technology services
foster users to use digital investment application through various ways to tell it is
easy enough to use, useful and able to protect users' secure data and information.
