Abstrak

Perkembangan teknologi yang pesat telah memicu inovasi–inovasi baru termasuk dalam bidang ekonomi, dalam bentuk financial technology. Fintech mampu mempermudah transaksi pengguna dalam kehidupan sehari–hari, termasuk dalam berinvestasi. Salah satu perusahaan yang bergerak dalam bidang fintech investasi adalah Bibit. Penelitian ini bertujuan untuk meneliti pengaruh kesiapan adopsi terhadap minat penggunaan aplikasi Bibit dengan perceived trust sebagai mediasi. Penelitian ini menggunakan metode kuantitatif dan mampu mengumpulkan 151 responden melalui penyebaran kuesioner online dan 118 diantaranya merupakan responden yang memenuhi kriteria. Data yang telah didapat kemudian diolah dengan bantuan software SmartPLS. Hasil penelitian ini menunjukan bahwa tingkat kesiapan adopsi pengguna mampu mempengaruhi minat mereka dalam menggunakan aplikasi Bibit dan juga mempengaruhi tingkat perceived trust mereka. Tetapi perceived trust sendiri secara langsung maupun tidak langsung tidak mempengaruhi minat penggunaan aplikasi Bibit. Untuk penelitian selanjutnya, diharapkan peneliti dapat membahas lebih dalam faktor–faktor yang mempengaruhi minat penggunaan.
Kata Kunci: Kesiapan adopsi, perceived trust, minat penggunaan.

Abstract

Technology grows rapidly and triggers new innovations, including economic innovation in the form of financial technology. Fintech manages to simplify user transactions in everyday life, including investing. One of the companies who operates in the fintech investment sector is Bibit. This research aims to examine the
influence of adoption readiness on intention to use Bibit with perceived trust as mediation. This research used quantitative methods and was able to collect 151 respondents through distributing online questionnaires and 118 of them met the criteria. The collected data is then processed with SmartPLS software. The results of this research show that user’s adoption readiness has an influence on their intention to use Bibit and their perceived trust. However, perceived trust has no direct nor indirect influence on intention to use Bibit. For further research, it is hoped that researchers can discuss in more detail the factors that influence the intention to use.
Keywords: Adoption readiness, perceived trust, intention to use.

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