Effect of Knowledge, Safety, Convenience and Reliance on Such Behavior Use of Financial Systems Technology (Fintech)

Abstract

The impact of the rapid development of technology and the Internet has not only penetrated the trade industry, but Also on the Indonesian financial industry. This was marked by the presence of financial technology (fintech). Financial transactions through fintech include payments, investments, money lending, transfers, financial plans and comparison of financial products. Digital financial services or financial technology (fintech) are Carried out on a legal umbrella. This follows after the issuance of the Financial Services Authority Regulations (POJK) Number 77 / POJK.01 / 2016, concerning Information Technology Based Lending and Borrowing Services. This study aims to Determine the Effect of Knowledge, Security, Convenience and Trust in the Behavior of the Use of Financial Technology (Fintech) Systems, especially Based Loan Online Users. by using multiple linear regression. This research was conducted in Jakarta-Indonesia area using survey methods. This study Obtained 150 respondents who used the online-based loans such as Friends' Money, Smart Credit and others. Researchers used SPSS.20 software to test research data. The results of the analysis for this models show that the Knowledge, Security, Ease, and Trust of the Online Based Loan user community have a positive and significant effect on the System of the Financial Technology (Fintech).