Deni Pandu Nugraha|Budi Setiawan|Robert Jeyakumar Nathan|Mária Fekete-Farkas
Fintech Adoption Drivers for Innovation for SMEs in Indonesia
Syarif Hidayatullah State Islamic University Jakarta|Magyar Agrár- és Élettudományi Egyetem|Universitas Indo Global Mandiri|Magyar Agrár- és Élettudományi Egyetem|Multimedia University|University of South Bohemia in ?eské Bud?jovice|Magyar Agrár- és Élettudományi Egyetem
rapid evolution technology large number smartphone users transforming way masses access financial services fintech companies consistently innovate developing customized products services users smes increase financial access inclusiveness achieve indonesian national financial inclusion target 90 percent 2024 access digital financial products via fintech contributes greater financial inclusion smes particularly covid19 pandemic restricted economic activities using extended tam model study explores driving factors fintech adoption indonesian smes covid19 outbreak data analysis 415 respondents conducted utilizing smartpls 30 software findings confirm perceived usefulness perceived ease use government support trust user innovativeness direct positive effect intention smes adopt fintech result also reveals financial literacy indirectly correlates fintech adoption mediated user innovativeness indicates fintech could contribute bridging financial inclusion smes lower financial literacy utilize financial products services via fintech positive contribution fintech smes developing economies present study suggests policymakers could foster expansion fintech business infrastructure improve access sme financial services