Subtopic Deep Dive
Technology Acceptance in Financial Systems
Research Guide
What is Technology Acceptance in Financial Systems?
Technology Acceptance in Financial Systems examines the adoption of fintech innovations like mobile banking and P2P lending through the Technology Acceptance Model (TAM), focusing on perceived ease of use, usefulness, and trust among users in emerging markets.
This subtopic applies TAM to fintech contexts, particularly in Indonesia and Malaysia, where studies analyze barriers for SMEs, women, and youth. Key papers include Nugraha et al. (2022) with 139 citations on SME fintech drivers and Candra et al. (2020) with 60 citations on e-trust in P2P lending. Over 10 provided papers from 2011-2023 highlight TAM extensions with financial literacy and COVID-19 moderators.
Why It Matters
TAM insights from Nugraha et al. (2022) guide fintech customization for Indonesian SMEs, boosting innovation amid 139 citations' influence. Setiawan et al. (2023) with 48 citations show extended TAM predicting women's Fintech adoption during COVID-19, enabling inclusive digital finance for underserved groups. Lutfi et al. (2022, 48 citations) demonstrate e-accounting adoption enhancing business performance, informing policy for financial inclusion in developing economies.
Key Research Challenges
Trust Barriers in Fintech
Users in emerging markets face e-trust deficits hindering P2P lending adoption, as Candra et al. (2020) extend TAM to show trust's mediating role (60 citations). Low financial literacy exacerbates perceived risks. Solutions require culturally tailored interventions.
Low Literacy Adoption Gaps
Fintech uptake lags among low-literacy populations despite high smartphone penetration, per Nugraha et al. (2022, 139 citations). Widyastuti et al. (2016, 57 citations) link literacy to saving intentions, revealing behavioral gaps. Interventions must integrate education with ease-of-use design.
SME Digital Resistance
SMEs resist accounting systems due to perceived complexity, moderated by crises like COVID-19 (Lutfi et al., 2022, 48 citations). Pradana et al. (2022, 56 citations) note digital culture's role in performance. Scaling requires TAM-based training programs.
Essential Papers
Fintech Adoption Drivers for Innovation for SMEs in Indonesia
Deni Pandu Nugraha, Budi Setiawan, Robert Jeyakumar Nathan et al. · 2022 · Journal of Open Innovation Technology Market and Complexity · 139 citations
The rapid evolution of technology and a large number of smartphone users are transforming the way the masses access financial services. Fintech companies consistently innovate in developing customi...
Cryptocurrency as an Investment: The Malaysian Context
Shangeetha Sukumaran, Thai Siew Bee, Shaista Wasiuzzaman · 2022 · Risks · 71 citations
Cryptocurrency is gaining popularity worldwide, with some countries already starting to regulate and accept cryptocurrency in their financial services. Malaysia’s Securities Commission (SC) announc...
Revisited the Technology Acceptance Model with E-Trust for Peer-to-Peer Lending in Indonesia (Perspective from Fintech Users)
Sevenpri Candra, Fauziyah Nuruttarwiyah, Indri Hanung Hapsari · 2020 · International Journal of Technology · 60 citations
The rapid increase in the number of fintech companies in Indonesia in the past three years has attracted the attention of many stakeholders, including the government, investors, conventional bank m...
The Impact of Financial Literacy on Student Teachers’ Saving Intention and Saving Behaviour
Umi Widyastuti, Usep Suhud, Ati Sumiati · 2016 · Mediterranean Journal of Social Sciences · 57 citations
One of the national agendas in Indonesia is delivering financial literacy towards its society. This movement was in response to a report that Indonesia was ranked as a country with the lowest finan...
The Implication of Digital Organisational Culture on Firm Performance
Mahir Pradana, Anita Silvianita, Syarifuddin Syarifuddin et al. · 2022 · Frontiers in Psychology · 56 citations
Digital technologies have become a major factor for innovation in the business environment. Organisations have taken advantage of digitised data and information to increase performance. However, th...
The Role of E-Accounting Adoption on Business Performance: The Moderating Role of COVID-19
Abdalwali Lutfi, Saleh Nafeth Alkelani, Hamza Alqudah et al. · 2022 · Journal of risk and financial management · 48 citations
In the last decade, information systems (ISs) have made dynamic developments in light of their ability to enhance the performances of businesses. In relation to this, an organization that is effect...
Quest for financial inclusion via digital financial services (Fintech) during COVID-19 pandemic: case study of women in Indonesia
Budi Setiawan, Thich Dai Phan, Jennifer Medina et al. · 2023 · Journal of Financial Services Marketing · 48 citations
Abstract Based upon an extended Technology Acceptance Model (TAM), this study aims to investigate the factors influencing the behavioral intention to adopt Fintech from the perspective of Indonesia...
Reading Guide
Foundational Papers
Start with Teo et al. (2011, 17 citations) for TPB in financial literacy intentions, then Mohd Sam et al. (2012, 12 citations) on CAS adoption in Malaysian SMEs to grasp early TAM applications.
Recent Advances
Prioritize Nugraha et al. (2022, 139 citations) for SME drivers, Setiawan et al. (2023, 48 citations) for women's Fintech during COVID-19, and Respati et al. (2023, 44 citations) on digital literacy behaviors.
Core Methods
Core techniques include TAM/UTAUT extensions with SEM (e.g., AMOS in Candra et al., 2020), moderation analysis (Lutfi et al., 2022), and surveys targeting Indonesian youth/SMEs.
How PapersFlow Helps You Research Technology Acceptance in Financial Systems
Discover & Search
PapersFlow's Research Agent uses searchPapers and exaSearch to query 'TAM fintech adoption Indonesia,' surfacing Nugraha et al. (2022, 139 citations) as top result, then citationGraph reveals clusters around Setiawan et al. (2023) and Candra et al. (2020), while findSimilarPapers expands to related e-trust studies.
Analyze & Verify
Analysis Agent applies readPaperContent to extract TAM constructs from Candra et al. (2020), verifies path coefficients via verifyResponse (CoVe) against GRADE B-rated evidence, and runs PythonAnalysis with pandas to meta-analyze citation impacts across Indonesian fintech papers for statistical significance.
Synthesize & Write
Synthesis Agent detects gaps in trust mediation post-2022 via contradiction flagging on Nugraha vs. Lutfi datasets, then Writing Agent uses latexEditText, latexSyncCitations for TAM extension manuscripts, and latexCompile to generate publication-ready sections with exportMermaid for adoption model diagrams.
Use Cases
"Run meta-regression on TAM beta coefficients from Indonesian fintech papers."
Research Agent → searchPapers('TAM fintech Indonesia') → Analysis Agent → runPythonAnalysis(pandas meta-regression on extracted betas from Nugraha 2022, Candra 2020) → researcher gets CSV of effect sizes with p-values.
"Draft LaTeX review on e-trust in P2P lending adoption."
Synthesis Agent → gap detection on Candra 2020 cluster → Writing Agent → latexEditText('extend TAM with trust'), latexSyncCitations([Nugraha2022, Setiawan2023]), latexCompile → researcher gets compiled PDF with synced references.
"Find GitHub repos analyzing QRIS MSME data from TAM studies."
Research Agent → searchPapers('QRIS TAM MSME') → Code Discovery → paperExtractUrls → paperFindGithubRepo → githubRepoInspect → researcher gets inspected Python scripts for QRIS performance models.
Automated Workflows
Deep Research workflow conducts systematic review of 50+ TAM-fintech papers via searchPapers → citationGraph → GRADE grading, yielding structured report on Indonesian adoption trends. DeepScan's 7-step chain analyzes Setiawan et al. (2023) with CoVe checkpoints for women's Fintech intents. Theorizer generates hypotheses extending TAM with literacy moderators from Widyastuti et al. (2016).
Frequently Asked Questions
What defines Technology Acceptance in Financial Systems?
It applies TAM to fintech like mobile banking and P2P lending, emphasizing perceived ease, usefulness, and trust, especially in Indonesia (Nugraha et al., 2022).
What are key methods in this subtopic?
Extended TAM with e-trust and literacy moderators via SEM path analysis, as in Candra et al. (2020) and Setiawan et al. (2023) using surveys from 400+ respondents.
What are seminal papers?
Nugraha et al. (2022, 139 citations) on SME drivers; Candra et al. (2020, 60 citations) on P2P e-trust; foundational Teo et al. (2011, 17 citations) on TPB for literacy intentions.
What open problems exist?
Post-COVID scalability of Fintech for low-literacy women (Setiawan et al., 2023) and SME resistance despite QRIS (Lampung study, 2012); need longitudinal TAM studies.
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Part of the Financial Literacy and Behavior Research Guide