TY - GEN
T1 - Financial Technology Acceptance Factors of Electronic Wallet and Digital Cash in Indonesia
AU - Nabila, Muthia
AU - Purwandari, Betty
AU - Nazief, Bobby A.A.
AU - Chalid, Dony Abdul
AU - Wibowo, Sigit Sulistiyo
AU - Solichah, Iis
N1 - Publisher Copyright:
© 2018 IEEE.
PY - 2019/4/22
Y1 - 2019/4/22
N2 - Despite limited financial resources of people with minimum wage in Indonesia, they have embraced Financial Technology (fintech). There are two types of fintech, i.e. card-based electronic wallet and application-based digital cash. The aim of this research is to rank the acceptance factors of e-wallet and digital cash by low income individuals. Initially, Systematic Literature Review (SLR) was conducted to develop a structural hierarchy of the Analytic Hierarchy Process (AHP). It was followed by interviews with fintech experts to validate the structural hierarchy. Finally, AHP pairwise comparison questionnaires were filled out by 18 respondents, who have experiences using electronic wallet or digital cash. The results show that highest reception factor of both fintech types is ease of use. Speed is the second top rank acceptance factor of electronic wallet, whilst cost-benefit is the second factor of digital cash reception. These findings can enable fintech providers to improve their better marketing strategy, by enhancing their products related its ease of use, speed, and cost.
AB - Despite limited financial resources of people with minimum wage in Indonesia, they have embraced Financial Technology (fintech). There are two types of fintech, i.e. card-based electronic wallet and application-based digital cash. The aim of this research is to rank the acceptance factors of e-wallet and digital cash by low income individuals. Initially, Systematic Literature Review (SLR) was conducted to develop a structural hierarchy of the Analytic Hierarchy Process (AHP). It was followed by interviews with fintech experts to validate the structural hierarchy. Finally, AHP pairwise comparison questionnaires were filled out by 18 respondents, who have experiences using electronic wallet or digital cash. The results show that highest reception factor of both fintech types is ease of use. Speed is the second top rank acceptance factor of electronic wallet, whilst cost-benefit is the second factor of digital cash reception. These findings can enable fintech providers to improve their better marketing strategy, by enhancing their products related its ease of use, speed, and cost.
KW - Acceptance factor
KW - Analytic Hierarchy Process (AHP)
KW - Digital cash
KW - Electronic transaction
KW - Electronic wallet
KW - Financial technology (fintech)
KW - Payment system
KW - Systematic Literature Review (SLR)
UR - http://www.scopus.com/inward/record.url?scp=85065209308&partnerID=8YFLogxK
U2 - 10.1109/ICITSI.2018.8696091
DO - 10.1109/ICITSI.2018.8696091
M3 - Conference contribution
AN - SCOPUS:85065209308
T3 - 2018 International Conference on Information Technology Systems and Innovation, ICITSI 2018 - Proceedings
SP - 284
EP - 289
BT - 2018 International Conference on Information Technology Systems and Innovation, ICITSI 2018 - Proceedings
PB - Institute of Electrical and Electronics Engineers Inc.
T2 - 5th International Conference on Information Technology Systems and Innovation, ICITSI 2018
Y2 - 22 October 2018 through 26 October 2018
ER -
