Abstract
Various surveys have been conducted over the past few years indicating financial access in Indonesia is still not good. Digital Financial Inclusion (DFI) which is a digital access to use of formal financial services by underserved populations to solve those problems. The success of the DFI services were not only determined by the service provider, but also by the acceptance of the users. The TAM (Technology Acceptance Model) model offers a powerful and simple explanation of the factors that affect user acceptance of a technology. The main purpose of this study was to understanding consumer acceptance of using DFI which was investigated and measured by several factors through the TAM model ie; perceived usefulness, perceived ease of use, perceived credibility, intention to use, and actual use. The population of this research was conducted in Bogor City because the level of financial inclusion in Bogor City was low but the digital development was quite good. And total sample was 134 respondent.The PLS SEM analysis showed that perceived usefulness has no significant effect (p> 0.05) to intention to use DFI services but perceived ease of use and credibility has significant (p <0.05) and positive effect to consumer interest in using DFI services. Perceived credibility is the most influencing consumer interest in using DFI service because it has the highest coefficient value. The results of this study were expected to improve the development and acceptance of DFI services.
Highlights
The survey conducted by the world bank shows that in the 2014 Global Inclusion Database (Figure 1), the percentage of Indonesian population over 15 years who have access to financial services was only 36%, far below Thailand (78%), Malaysia (81% ), and Singapore (96%)
Another interesting fact is based on a survey conducted by the Association of Internet Network Providers Indonesia (APJII) which revealed that more than half of Indonesia's population has been connected to the internet
The ability of independent variables to explain the dependent variable of actual use was 43.4% and the rest is explained by other independent variables that are not in this research
Summary
The survey conducted by the world bank shows that in the 2014 Global Inclusion Database (Figure 1), the percentage of Indonesian population over 15 years who have access to financial services was only 36%, far below Thailand (78%), Malaysia (81% ), and Singapore (96%). To solve these problems, Indonesia government has created programs and policies to improve financial access for underserved communities, ie, inclusive financial policies. Based on the results of the APJII (2017) survey, penetration of internet users in Indonesia reached 51.8% ie 132.7 million of the total population 256.2 million.
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