Exploring Fintech Adoption Among Culinary Enterprises: Mediating Role of Fintech Adoption Intention and Trust
Exploring Fintech Adoption Among Culinary Enterprises: Mediating Role of Fintech Adoption Intention and Trust

Summary/Abstract: This research explores the role of trust in fintech and fintech adoption intention as mediating variable between environment drivers such as government support, and perceived security, and hedonic motivation, habit behavior, and user innovativeness. Three hundred and ninety-two culinary MSMEs from six locations in West Sumatra, Indonesia, participated in this survey. In addition, the SEM-PLS is employed to analyze the effect of affecting factor and mediating role of trust in fintech and fintech adoption intention. Model evaluation is conducted to achieve the fit model. The results show ten hypotheses being accepted for direct effect. This research also found that trust in fintech plays an effective role in mediating the correlation between perceived security and fintech adoption intention, as well as between user innovativeness and fintech adoption intention. This mediation is complementary in the case of perceived security and fintech adoption intention, and indirect exclusively in the case of user innovativeness and fintech adoption intention. Therefore, the intention to adopt fintech also acts as a mediator in the connection between trust in fintech and adoption of fintech (mediation is merely indirect), as well as between perceived security and fintech adoption (mediation is complimentary).

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