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Medientyp:
E-Book
Titel:
Financial technology adoption in Greater Jakarta
:
patterns, constraints and enablers
Enthält:
Frontmatter
FOREWORD
EXECUTIVE SUMMARY
INTRODUCTION
SAMPLING, DATA COLLECTION METHODS AND SURVEY LIMITATIONS
FINANCIAL TECHNOLOGY USE IN GREATER JAKARTA
CATEGORIES OF FINTECH ADOPTED BY GREATER JAKARTA’S COMMUNITIES
FINTECH ENTERPRISES POPULAR AMONG GREATER JAKARTA’S LOWER-INCOME COMMUNITY
CONSTRAINTS FOR FINTECH ADOPTION
ENABLERS FOR FINTECH ADOPTION
CONCLUSION
APPENDIX: A LOGISTIC MODEL FOR FINTECH ADOPTION
REFERENCES
Beschreibung:
This article reports the findings of an online survey conducted in November–December 2021 on Indonesians’ experience and perception of fintech tools, focusing on fintech adoption in the Greater Jakarta region, which besides Jakarta, includes Bogor, Depok, Tangerang and Bekasi. One key finding is that, in the Greater Jakarta region, socio-economic status as measured by income is not a key determinant of fintech adoption. This is likely due to the more developed and mature ICT infrastructure in the Greater Jakarta region, which makes fintech tools readily accessible. However, the kinds of fintech tools that are more likely to be used—M-banking, E-wallet, Online Lending, Investment, Donations, and so on—are influenced by factors such as income, education, gender, age and occupation, suggesting that different fintech tools appeal to different groups in society according to their needs and resources. Psychological factors that are important in the adoption of fintech include having many choices in the needed financial services and feeling in control. While fintech users are concerned about data leaks and fraud, this does not deter them from using fintech. It may be anticipated that with the deepening of ICT infrastructure and public education on the safe use of fintech, fintech usage in Indonesia will continue to spread throughout the country