Menavigasi Keuangan Digital: Pengaruh Literasi Fintech, Persepsi Risiko, dan Layanan yang Dipersonalisasi terhadap Adopsi Fintech

Authors

  • Jocelyn Patricia Universitas Prima Indonesia
  • Christian Tanjaya Universitas Prima Indonesia
  • Susan Susan Universitas Prima Indonesia
  • Yeni Ariesa Universitas Prima Indonesia
  • Rusiadi Rusiadi Universitas Prima Indonesia

DOI:

https://doi.org/10.54259/akua.v5i2.7648

Keywords:

Literacy, Risk, Services, Fintech Adoption

Abstract

 The condition of MSMEs in Medan city has a rapid growth condition. Fintech adoption is vital for MSMEs in taking the broader market,,efficiency, and powerassaing through personalized services is motivated by the intention to analyze how the influence of fintech literacy, risk perception, and personalized services on fintech adoption by MSMEs in Medan City. Research methods using quantitative. The population in the study was 2,070 MSMEs in Medan City based on data from the Office of Cooperatives and MSMEs in 2025. For the number of research samples as many as 335 MSMEs using the slovin formula, then convenience sampling as a sample collection technique. Data collection techniques using questionnaires through Google form distribution to MSMEs. Data analysis techniques using Smart-PLS 3.0. Conclusions in the study obtained fintech literacy has a positive and significant effect on fintech adoption by MSMEs in Medan City, Risk Perception has a positive and significant effect on fintech adoption by MSMEs in Medan City, however, personalized services have no effect on fintech adoption by MSMEs in Medan City.

Downloads

Download data is not yet available.

References

N. Yoshino, P. J. Morgan, and T. Q. Long, Financial Literacy and Fintech Adoption in Japan, no. 1095. 2020.

S. Prabhakaran and L. Mynavathi, “Perception vs. reality: Analysing the nexus between financial literacy and fintech adoption,” Invest. Manag. Financ. Innov., vol. 20, no. 4, pp. 13–25, 2023, doi: 10.21511/imfi.20(4).2023.02.

N. Mohapatra et al., “Assessing the Role of Financial Literacy in FinTech Adoption by MSEs: Ensuring Sustainability Through a Fuzzy AHP Approach,” Sustain., vol. 17, no. 10, 2025, doi: 10.3390/su17104340.

R. Rahmahtika, T. Husni, and F. Adrianto, “Pengaruh Digital Literasi dan Financial Technology terhadap Adopsi Keuangan Digital pada UKM Food and Beverage di Kota Padang,” Jorunal Account. Financ. Manag., vol. 6, no. 2, pp. 774–782, 2025.

D. Widiyati and Erliana, “Pengaruh Literasi Keuangan , Perlindungan Data , Dan Cybersecurity Terhadap Penggunaan Financial Technology,” J. Akunt. DAN Ekon., vol. 9, no. 1, 2024, doi: 10.29407/jae.v9i1.21945.

R. Abdul-Rahim, S. A. Bohari, A. Aman, and Z. Awang, “Benefit–Risk Perceptions of FinTech Adoption for Sustainability from Bank Consumers’ Perspective: The Moderating Role of Fear of COVID-19,” Sustain., vol. 14, no. 14, 2022, doi: 10.3390/su14148357.

J. Xie, L. Ye, W. Huang, and M. Ye, “Understanding fintech platform adoption: Impacts of perceived value and perceived risk,” J. Theor. Appl. Electron. Commer. Res., vol. 16, no. 5, pp. 1893–1911, 2021, doi: 10.3390/jtaer16050106.

C. Tun-Pin, W. C. Keng-Soon, Y. Yen-San, C. Pui-Yee, and N. Hong-Leong, Julian Teh Shwu-Shing, “An Adoption of Fintech Service in Malaysia,” South East Asia J. Contemp. Business, Econ. Law, vol. 18, no. 5, pp. 73–92, 2019.

O. S. Heningtyas, P. Gina, Pujiastuti, E. Tri, Hasibuan, and A. Basid, “APAKAH MANFAAT , KEPERCAYAAN DAN RISIKO ADOPSI Grafik Perusahaan Fintech Lending,” J. Akunt., vol. 10, no. 1, pp. 13–26, 2024.

F. Rufaidah et al., “Pengaruh Persepsi Risiko dan Kepercayaan ( Trust ) Terhadap Adopsi Layanan Fintech : Studi Kasus Pada Layanan Pembayaran Digital Dana Masyarakat Di Desa Margajaya – Majalengka,” J. Techno Bahari, vol. 12, no. 1, pp. 7–14, 2025.

B. Hanggoro, S. Mareta, and N. Santoso, “Analisis Dampak Adopsi Teknologi Finansial E-Wallet terhadap Literasi Keuangan Digital ( Studi Kasus pada Masyarakat Kota Depok ),” J. Account. Financ. Manag., vol. 6, no. 3, pp. 1337–1346, 2025.

A. Chen, S. Wang, A. M. Mehta, M. Asif, S. Xu, and M. F. Shahzad, “FinTech adoption for ESG integration through robo advisors, personalization, and perceived trust,” Sci. Rep., vol. 15, no. 1, pp. 1–13, 2025, doi: 10.1038/s41598-025-17046-6.

D. P. Nugraha, B. Setiawan, R. J. Nathan, and M. Fekete-Farkas, “Fintech Adoption Drivers for Innovation for SMEs in Indonesia,” J. Open Innov. Technol. Mark. Complex., vol. 8, no. 4, p. 208, 2022, doi: 10.3390/joitmc8040208.

Marniwati and N. Suryadi, “Faktor-Faktor yang Mempengaruhi Adopsi Digital Banking dan Dampaknya terhadap Pengalaman Pelanggan : Systematic Literature Review 2018 – 2025 Marniwati * , Nanang Suryadi,” J. Econ. Bus. UBS, vol. 14, no. 6, pp. 1597–1609, 2025.

Susanti and T. Nurtyastuti, “Perspektif Perilaku dalam Niat Adopsi Financial Technology : Jurnal Ilmiah Manajemen Dan Bisnis,” J. Ilm. Manaj. Dan Bisnis, vol. 26, no. 2, pp. 178–193, 2025.

R. Abubakar, Pengantar Metodologi Penelitian. 2021.

K. P. Sutikno, A. Fahmi, and M. U. Al-mustofa, “Pengaruh Adopsi Financial Technology dan Literasi Keuangan terhadap Keberlanjutan Usaha Mikro di Kabupaten Mojokerto,” Indones. J. Dev. Stud., vol. 3, no. 1, pp. 131–143, 2024.

A. Kholiq, “Jurnal Ekonomi Islam LITERASI DIGITAL TERHADAP PEMANFAATAN FINTECH SYARIAH OLEH PELAKU UMKM,” J. Ekon. Islam, vol. 2, no. 2, pp. 301–317, 2025.

E. Wijaya and R. Susilawati, “Pengaruh Persepsi Risiko dan Kepercayaan ( Trust ) pada Adopsi Gopay ) The Influence of Perceived Risk and Trust in Adoption of Fintech Service ( Case Study on GoPay,” Indones. Account. Lit. J., vol. 02, no. 01, pp. 202–209, 2021.

N. S. Rohmawati, M. Rosyada, U. Islam, N. K. H. Abdurrahman, and W. Pekalongan, “Penggunaan Fintech Syariah Dan Investasi Online,” J. Sahmiyya, vol. 4, no. 1, pp. 237–243, 2025.

L. Judijanto, U. Abdul, and A. Lamadjido, “Adopsi FinTech dalam Akuntansi – Analisis Bibliometrik dan Jaringan dari Hasil Penelitian Global,” J. Akunt. dan Keuang. West Sci., vol. 5, no. 01, pp. 131–141, 2026.

S. N. Alisia and D. Puspawati, “Adopsi Penggunaan Layanan Digital Fintech pada Generasi X di Indonesia,” J. Ilm. KOMPUTERISASI Akunt., vol. 17, no. 2, pp. 419–431, 2024, doi: 10.51903/kompak.v17i2.2072.

Downloads

Published

2026-04-15

How to Cite

Jocelyn Patricia, Christian Tanjaya, Susan, S., Yeni Ariesa, & Rusiadi, R. (2026). Menavigasi Keuangan Digital: Pengaruh Literasi Fintech, Persepsi Risiko, dan Layanan yang Dipersonalisasi terhadap Adopsi Fintech . AKUA: Jurnal Akuntansi Dan Keuangan, 5(2), 600–609. https://doi.org/10.54259/akua.v5i2.7648

Issue

Vol. 5 No. 2 (2026): April 2026

Section

Articles

License

Copyright (c) 2026 Jocelyn Patricia, Christian Tanjaya, Susan Susan, Yeni Ariesa, Rusiadi Rusiadi

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

Hak cipta pada setiap artikel adalah milik penulis.
Penulis mengakui bahwa AKUA (Jurnal Akuntansi dan Keuangan) sebagai publisher yang mempublikasikan pertama kali dengan lisensi Creative Commons Attribution 4.0 International License.
Penulis dapat memasukan tulisan secara terpisah, mengatur distribusi non-ekskulif dari naskah yang telah terbit di jurnal ini kedalam versi yang lain, seperti: dikirim ke respository institusi penulis, publikasi kedalam buku, dan lain-lain. Dengan mengakui bahwa naskah telah terbit pertama kali pada AKUA (Jurnal Akuntansi dan Keuangan).