Abstract
This study is meant to develop a TAM (Technology Acceptance Model) by integrating a VAM (Value-based Adoption Model), PAM (Pos Acceptance Model) and security perceptions. The frameworks of the theories are expected to deeper explain the perspective perceived by fintech services users in terms of security, perceived value, benefits, and satisfaction in using fintech. Survey through a quantitative approach combined with explanatory research in Madiun Residency. The results showed that all hypotheses proposed in this study were accepted. Security is the main requirement for people to continue or discontinue using fintech services. Perceived value is a comparative result influenced by the amount of sacrifice that is given and the perceived benefits. People who are satisfied and tends to assume that the fintech service is valuable, will most likely continue using the fintech service. Therefore, it can be concluded that TAM, VAM, PAM and security perceptions are a unified whole in understanding one's behaviour in adopting technology such as fintech services.
 Keywords-TAM; VAM; PAM; Security Perception; Fintech
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