FACTORS INFLUENCING THE INTENTION OF USING DIGITAL INVESTMENT APPLICATIONS IN INDONESIA

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.