ANALYSIS OF ADOPTING MILLENNIAL GENERATION FINANCIAL TECHNOLOGY (FINTECH) SERVICES
The hypothesis of financial literacy, business expectations, performance expectations, performance expectations can increase interest in adopting fintech services can increase interest in adopting fintech services while the moderatimg variable, namely education, is not in accordance with the research hypothesis.
Abstract
Fintech is in demand in all generations, young people as Millennials should not be left behind in utilizing technology, they must aspire to be successful people, become entrepreneurs, especially in the era of the industrial revolution 4.0, they must be good at utilizing technology to seize new business opportunities. The purpose of this study was to analyze the effect of financial literacy, performance expectations, business expectations on interest in adopting Fintech services. In addition, by adding a variable level of education, we want to analyze the effect of education level whether it can strengthen the influence on the interest in adopting Fintech services for the millennial generation. The population of this research is people who are currently using Fintech and are interested in continuing to use Fintech services. The non-probability sampling technique is snowball sampling. Samples were taken as many as 150 people. To analyze the data, SEM analysis technique is used based on Variance, namely SEM-PLS. After analyzing the responses of millennial generation respondents, the hypothesis of financial literacy, business expectations, performance expectations can increase interest in adopting fintech services. While the moderatimg variable, namely education, is not in accordance with the research hypothesis.