The Mediation Role of Perceived Risk, Trust, and Perceived Security Toward Intention to Use in the Model of Fintech Application Adoption: An Extension of TAM


The advancement of information technology fosters business transaction activities that necessitate its continued development in terms of both usefulness and intentions, including the use of information technology-based financial services, commonly referred to as financial technology (fintech). This article aims to examine conceptual studies on the desire to utilize financial technology as it is mediated by perceived security, trust, and risk. This conceptual article aims to discuss the perceptions of users/potential users of fintech applications, discuss previous research on fintech, and propose a conceptual framework regarding intention to use fintech applications. The research results are expected to be taken into consideration for users/prospective users who adopt fintech applications by mediating perceived risk, trust, and perceived security.

Keywords: fintech, intention to use, perceived risk, perceived security, trust

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