Pengaruh Privasi dan Keamanan Terhadap Niat Menggunakan Payment Fintech

Abstract

The 4.0 industrial revolution demands creativity and innovation in utilizing information technology. Fintech is an innovation in the financial industry, but there are many inherent risks. Therefore, this study aims to analyze the factors that influence consumers to use fintech in the payment process. This study uses theory of planned behavior in shaping research models. The sample in this study was selected using purposive sampling, from which the sampling method obtained 93 respondents. The results showed that security perceptions influence users' intention to use fintech, transaction security is still considered a major thing for users of payment fintech in Indonesia, because perceived risk is a fundamental obstacle for users considering using Fintech. However, the perception of privacy does not affect user's intention to use fintech, this result is possible because the technology of fintech payment in Indonesia has given breadth for its users to control their privacy. This research contributes in providing an explanation of how privacy and security can affect user's intention to use payment fintech.