Fintech Adoption among Indonesian Generation Z: A Technology Acceptance Model Perspective

Fintech is a financial service that is currently being developed in Indonesia. However, the acceptance of fintech services in Indonesia has not reached its maximum point due to user attitudes. The next user of fintech services is generation-z. In addition, the generation-z is still considered not ready to receive fintech services, because the generation-z has free-oriented thinking. TheAnother factors that can influence the generation-z in using fintech services, are social influence and technostress. Several factor, has been identified that influence technostress are stressful, high use of technology, digital literacy, and expectation. On the factor of social influence, the author is interested in determining the magnitude of the impact that social influence has on the acceptance of fintech services. In addition, on the technostress variable, there is still a lack of research on technostress which affects acceptance of fintech services, so the authors want to know this effect. This study employed a quantitative research methodology, utilizing simple random sampling to collect research data. The Slovin technique was employed to establish the appropriate sample size for the study. The research focused on exploring the impact of social influence and technostress on the acceptance of fintech services among Generation Z in Indonesia. The Technology Acceptance Model (TAM) was chosen as the suitable framework for this investigation. Based on the TAM model used and the existing variables, the number of hypotheses in the study is 16. The findings in this study are based on the TAM model, namely, the objective of this research is to analyze the influence of both societal pressure and technostress on the adoption of fintech services, all of which demonstrate a beneficial and noteworthy impact.