Perceived Ease Of Use, Benefit Dan Risk Sebagai Faktor Penentu Penggunaan Financial Technology Secara Berkelanjutan Pada UMKM Telukjambe Timur

Advances in financial technology, MSMEs have a significant opportunity to improve transaction efficiency and support business digitalization. The purpose of this study was to examine how perceived ease of use, perceived benefits, and perceived risks influence the sustainability of financial technology use among MSMEs in telukjambe timur. This study used a quantitative approach by conducting a survey among MSME fintech users; the analysis was conducted using PLS-SEM. The results showed that perceived ease of use had a positive effect on the sustainability of fintech use, while perceived benefits and perceived risks had negatif effect. The results indicate that perceived ease of use is an important factor in encouraging the sustainability of fintech use among MSMEs in telukjambe timur. The implications of this research provide the latest empirical evidence regarding the differences in the results of previous studies and are expected to be a basis for fintech service providers and local governments in designing fintech services that are more in line with the real needs of MSMEs.
Keywords: Financial technology, perceived ease of use, perceived benefit, perceived risk, continued use