Cashless Society: The Effect of Financial Ability, Ease and Security on Behavior of the Use of Financial Technology System

Abstract

This study aims to examine the factors that influence the system using Financial Technology (Fintech) by using multiple linear regression. This research was conducted in the Jakarta, Bogor, Depok, Tangerang and Bekasi areas using survey methods. This study obtained 200 respondents who had used Cashless Payment (Example: GO-PAY, GRAB-PAY, FUNDS, LINKS, TAPCASH, OVO, T-Cash, etc.). Researchers used SPSS 22 software to test research data. The results of the analysis for this model show that Financial Capability, Ease and Safety have a positive and significant effect on the Use of Financial Technology (Fintech) System.