Analisis Pengaruh Efektivitas Dan Risiko Keamanan Terhadap Minat Penggunaan Fintech (Studi Pada Anggota Komunitas Perempuan Girl Boss Indonesia)

Abstract

Abstract

Technological advancements have driven the rapid growth of financial technology (fintech), which has become increasingly popular as a solution to facilitate financial activities. Fintech offers convenience, efficiency, and accessibility, making it an essential tool in modern financial transactions. However, concerns regarding security risks remain a factor that may influence user adoption. This study aims to analyze the influence of effectiveness and security risk on the interest in using fintech, both simultaneously and partially. Employing a quantitative approach, data were collected from 105 respondents who are active members of the Girl Boss Indonesia community through a structured questionnaire. The data were analyzed using multiple linear regression to determine the relationships between the variables. The results indicate that effectiveness and security risk collectively have a significant impact on the interest in using fintech. Partially, effectiveness has a positive and significant influence on fintech adoption. Meanwhile, security risk has a positive but not significant influence on the interest in using fintech.

Keywords: Effectiveness, Security Risk, Interest, Fintech