Predicting Intention of Using Fintech Lending to Bank Users in Indonesia

Abstract

In the early 1960s, the prevailing assumption was that attitudes and behaviors were closely related to attitude-determined behavior, as evidenced by research that repeatedly showed a strong relationship between attitude and behavior (Fishbein & Ajzen 1977) in TRA. They propose TPB as the intention to do rather than the attitude towards behavior that determines behavior. The TPB theory explains the illustration of intentions being influenced by attitudes, subjective norms, and PBC. The TAM model divides the factors that influence individual behav-ioral attitudes, namely perceived usefulness and PEU, which significantly impact adopting new technology (Davis 1986). Some of the variables in this study were built by several recent researchers in the period (2018-2020), explaining that BI, GS, and UI (Hu et al. 2019 and Zhang et al. 2018) have a positive influence on the adoption of fintech services. Second, PR affects ATT users through TRU (Hu et al.