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Customer Adoption and Perception Towards Fintech in Indonesia: A Diamond in the Rough or a Dime a Dozen?

Customer Adoption and Perception Towards Fintech in Indonesia: A Diamond in the Rough or a Dime a Dozen?
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Author(s): Nofie Iman (Universitas Gadjah Mada, Indonesia)
Copyright: 2020
Pages: 17
Source title: Financial Technology and Disruptive Innovation in ASEAN
Source Author(s)/Editor(s): Muhammad Anshari (Universiti Brunei Darussalam, Brunei), Mohammad Nabil Almunawar (Universiti Brunei Darussalam, Brunei) and Masairol Masri (Universiti Brunei Darussalam, Brunei)
DOI: 10.4018/978-1-5225-9183-2.ch009

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Abstract

While fintech is relatively new in Indonesia, it is visibly emerging and setting for a new path. This chapter is attempting to shed a light on customer adoption and their perceptions toward fintech products and services in Indonesia. This study is descriptive and exploratory by nature. Data gathered from primary surveys as well as secondary sources. This study identifies several factors that significantly affect customer adoption and perception towards fintech products and services, namely relative advantages, trialability, and simplicity. Trust, responsiveness, and empathy are also served as important variables that should be considered as well. It is expected that this study will help researchers and academics who are interested in studying the phenomenon of fintech more broadly.

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