Dampak persepsi manfaat dan persepsi risiko terhadap fintech continuance intention pada generasi milenial di Surabaya

Abstract

The development of the fintech industry is inseparable from the users who use the fintech. The sustainability of fintech is very dependent on the continuous use of the user. This study aims to look deeply into the factors that make a personal use fintech in terms of benefits and risks. This study examines the effect of perceived benefit and perceived risk on continuous fintech intention on millennial generation in the age range of 20 - 40 years. Tests carried out using Partial Least Square with a sample of 78 people. The results show that perceived benefits have a significant effect on fintech continuance intention while risk perception has no significant effect on fintech continuance intention on millennial generation.