| dc.description.abstract | The role of fintech in increasing people's financial inclusion is growing rapidly,
especially in the millennial generation. Millennials often use fintech for many transactions,
such as financial planning, investment, and financial transactions (payment, saving, etc.) One
important factor that influences the use of fintech is service trust. However, it turns out that
service trust cannot always affect the use of fintech, so further research is needed on factors
that can mediate the relationship between service trust and fintech use. The purpose of this
study is to investigate whether value congruence can be a mediator in connecting service trust
and fintech use. Furthermore, whether value in use can increase the use of fintech, this
research method uses quantitative methods through surveys by sending questionnaires. The
data collection method uses a purposive sampling method, and we used the Partial Least
Square analysis tool for data analysis. This research found that value congruence mediates
between service trust and the use of fintech. This research proves that value congruence,
namely services that are unique, creative, independent, and can meet user needs, will increase
the use of fintech. This research contributes to fintech companies that they must pay attention
to value congruence if they want their fintech products used by millennial consumers. The
research gap in this study is some inconsistency throughout several previous studies and
research. | en_US |
