Faktor-Faktor yang Mempengaruhi Adopsi Fintech oleh Masyarakat

Kajian Literatur Sistematis atas 31 Studi Empiris di Indonesia

Abstract

The development of financial technology (fintech) in Indonesia has transformed financial services, but adoption rates still vary across segments of society. This study aims to identify and synthesize factors influencing fintech adoption based on research findings in Indonesia. The method used was a literature review of 31 national journal articles published between 2021 and 2026. Data were analyzed using content analysis, grouping variables into factor categories, and supported by frequency tabulation across 26 quantitative studies. The study results indicate that perceived usefulness and perceived ease of use are the most consistent factors influencing fintech adoption. Other dominant factors include security, digital/financial literacy, social influence, and performance expectations. Conversely, trust and perceived risk showed inconsistent results due to the influence of user characteristics and the type of fintech service. These findings provide a comprehensive map of fintech adoption factors and identify opportunities for further research on literacy aspects and differences in demographic characteristics.