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Vol.14, No.4, November 2025. ISSN: 2217-8309 eISSN: 2217-8333
TEM Journal
TECHNOLOGY, EDUCATION, MANAGEMENT, INFORMATICS Association for Information Communication Technology Education and Science |
Exploring Fintech Adoption Among Culinary Enterprises: Mediating Role of Fintech Adoption Intention and Trust
Neva Novianti, Daniati Puttri, Elfitra Azliyanti, Zaitul Zaitul, Desi Ilona
© 2025 Desi Ilona, published by UIKTEN. This work is licensed under the Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 License. (CC BY-NC-ND 4.0)
Citation Information: TEM Journal. Volume 14, Issue 4, Pages 3339-3353, ISSN 2217-8309, DOI: 10.18421/TEM144-42, November 2025.
Received: 30 January 2025.
Abstract:
This research explores the role of trust in fintech and fintech adoption intention as mediating variable between environment drivers such as government support, and perceived security, and hedonic motivation, habit behavior, and user innovativeness. Three hundred and ninety-two culinary MSMEs from six locations in West Sumatra, Indonesia, participated in this survey. In addition, the SEM-PLS is employed to analyze the effect of affecting factor and mediating role of trust in fintech and fintech adoption intention. Model evaluation is conducted to achieve the fit model. The results show ten hypotheses being accepted for direct effect. This research also found that trust in fintech plays an effective role in mediating the correlation between perceived security and fintech adoption intention, as well as between user innovativeness and fintech adoption intention. This mediation is complementary in the case of perceived security and fintech adoption intention, and indirect exclusively in the case of user innovativeness and fintech adoption intention. Therefore, the intention to adopt fintech also acts as a mediator in the connection between trust in fintech and adoption of fintech (mediation is merely indirect), as well as between perceived security and fintech adoption (mediation is complimentary).
Keywords – Fintech adoption, trust in fintech, fintech adoption intention, culinary MSME. |
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