Anteseden Adoption and Use Fintech Melalui Functional Value Reliability dan Customer Interaction pada E-Wallet di Sumatera Bagian Utara

Abstract

The technology development that increased significantly has led to emerge many innovations, and one of it is the existence of E-Wallet that disrupted the banking sector, but the development of E-Wallet is relatively low because due to concerns when adopting and using it. The purpose of this study was to analyse privacy concern, content information, functional value reliability and customer interaction on adoption and use FinTech. This research uses a quantitative approach conducted by distributing questionnaires via google forms. The population of this study were all E-Wallet users in generations Z and Y who were in North Sumatera and the selection of respondent samples using the probability sampling methods, namely proportional random sampling, totals of 420 respondents. Data analysis methods and hypothesis testing used descriptive statistical analysis and inferential statistical analysis, namely Structural Equation Model (SEM) with Structural Partial Least Square (SEM-PLS) analysis method. The results of this study discover that privacy concern has a positive but insignificant effect on adoption and use FinTech. Content information, functional value reliability and customer interaction have a positive and significant influence on adoption and use of FinTech. Functional value reliability has a positive and significant influence on customer interaction. Privacy concerns and content information have a positive and significant effect on functional value reliability. Content information has a positive and significant influence on customer interaction. Privacy concern and content information have a positive and significant influence on customer interaction. Content information has a positive and significant influence on customer interaction intervening functional value reliability. Functional Value reliability has a positive and significant influence on adoption and use FinTech intervening customer interaction.