Research Originality: This research paper enriches existing literature on drivers
of fintech adoption, including the impact of perceived trust, individual innovativeness,
savings habits, and government support on Indonesian users' post-COVID-19 pandemic
fintech adoption intentions.Research Objectives: This study examines the impact of
post-covid changes in people's behaviour, savings habits and accelerated financial
literacy on strengthening Technology Adoption Model (TAM) among Indonesian fintech
users. Research Methods: The researchers surveyed 536 people living in Indonesia.
The data was analysed using structural equation modelling with moderator variables.
Empirical Results: It found that ease of use, usefulness, trust and personal innovativeness
are key drivers of adoption intentions. The research also found that savings habits
significantly increase the influence of government support on fintech adoption. Implications:
This research has two important implications. First, digital finance companies should
further improve fintech app service quality and security. Second, the government should
also encourage the expansion of a fintech-based startup ecosystem by providing regulatory
support to accelerate the progress of Indonesia's digital finance industry.JEL Classification:
M21, G23, O36How to Cite:Nugraha, D. P., Setiawan, B., Emilda, E., Masyhuri, M., Quynh,
M. N., Nathan, R. J., Fekete-Farkas, M., & Hagen, I. (2024). Role of Financial Literacy
and Saving Habits on Fintech Adoption post Covid-19. Etikonomi, 23(1), 63 – 80. https://doi.org/10.15408/etk.v23i1.37856.
