ANALYSIS OF THE CONTINUANCE INTENTION OF USING FINTECH-BASED APPLICATION SERVICE: A CASE IN INDONESIA

Abstract

Purposes: This study aims at providing more understanding of the influences of Perceived risk, perceived security, perceived usefulness, and the influence of mediating variable which is user satisfaction toward the continuance intention of using Fintech-based application in Indonesia. Design/Methodology/Approach: Quantitative method was being used in this research by distributing questionnaire via online using Google Form which consists of 35 item statements. The primary data was collected from 369 respondents and only 326 valid responses were being tested afterward. The data were tested for its validity and reliability. Structural Equation Modeling (SEM) was used to analyze the fitness of the proposed model and hypothesis testing to analyze the relation between variable. Findings: The research found that perceived security and perceived usefulness have a positive significant impact on user satisfaction and user satisfaction as a mediating variable significantly have a positive impact on fintech continuance intention. However, perceived risk was not significant and negatively influenced user satisfaction in the continues intention of using fintech. Originality/Value: As far as the author knows, the research on determining perceived risk, perceived security, and perceived usefulness on overall user satisfaction by the continuance intention to use fintech has not been done before.