Analysis of Factors Affecting MSME in Using Fintech Lending as Alternative Financing: Technology Acceptance Model Approach

Abstract This study aims to determine factors impacting the intention of Micro, Small, and Medium Enterprises (MSMEs) in using fintech lending applications as an optional source of business financing using the technology acceptance model approach. The population in this study were MSMEs in Indonesia. Samples were taken by purposive sampling with the criteria of having used a licensed fintech lending application for business financing. The samples used were 171 samples. This study used structural equation model (SEM) as the analysis technique. The results of this study showed that Perceived Ease of Use had an impact on Perceived Usefulness but had no effect on Attitude Toward Using. The factor Perceived Usefulness had an effect on Attitude Toward Using, and Attitude Toward Using influences Behavioral Intention to Use. Fintech companies can play a role by providing education and empowerment to foster understanding of digital literacy for MSME stakeholders. The governments need to develop policy frameworks that can balance innovation and risk mitigation.摘要 本研究旨在借助技术接受模型（Technology Acceptance Model），探究影响中小微企业（Micro, Small, and Medium Enterprises, MSMEs）将金融科技借贷应用作为企业融资可选来源的使用意愿的相关因素。本研究的研究总体为印度尼西亚境内的中小微企业，采用立意抽样法选取样本，筛选标准为已使用持牌金融科技借贷应用开展企业融资的经营主体，最终有效样本量为171份。本研究采用结构方程模型（Structural Equation Model, SEM）作为分析技术。研究结果显示：感知易用性（Perceived Ease of Use）对感知有用性（Perceived Usefulness）具有显著正向影响，但对使用态度（Attitude Toward Using）无显著作用；感知有用性对使用态度具有显著正向影响，而使用态度则会显著影响使用行为意愿（Behavioral Intention to Use）。据此，金融科技企业可通过开展教育赋能工作，助力中小微企业相关主体提升数字素养；政府则应构建兼顾创新发展与风险防控的政策框架。