ANALISIS TECHNOLOGY ACCEPTANCE MODEL (TAM) TERHADAP PENGGUNAAN FINANCIAL TECHNOLOGY UNTUK MENDUKUNG UMKM SEBAGAI SOLUSI PEMULIHAN EKONOMI NASIONAL

Abstract

Productive digital MSMEs are the main key in accelerating the national economic recovery. The
presence of fintech is a solution for MSMEs in expanding the market and facilitating financing,
which so far have not been touched by banking services. Therefore, there is a wide and very large
potential when fintech and MSME players collaborate with each other in order to accelerate
national economic recovery. Based on this, researchers are interested in seeing whether there are
good intentions from MSMEs to use fintech services with various conveniences. This research is
divided into 2 studies. First, researchers want to see the acceptance and trust of SMEs in financial
technology. Second, the researcher conducted an exploratory analysis to see if there were
conveniences for MSMEs in using financial technology. Sampling used a survey technique using
open questions and closed questions with198 MSME respondents spread throughout Indonesia.
This type of research uses quantitative research supported by qualitative data. The sampling
technique used purposive sampling which was tested using the CB-SEM analysis technique with
analytical tools, namely IBM AMOS 26 and exploratory analysis using SPSS 23. The results of the
SEM analysis showed that there was acceptance & trust in MSMEs in the use of financial technology
and there was ease of use tosupport SMEs . The implementation of this research is an input for
MSMEs in Indonesia to better adapt to technological advances whose output can facilitate business.