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Financial Technology Adoption in Greater Jakarta - Patterns, Constraints and Enablers (Paperback)
Loot Price: R242
Discovery Miles 2 420
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Financial Technology Adoption in Greater Jakarta - Patterns, Constraints and Enablers (Paperback)
Series: Trends in Southeast Asia (TRS)
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Loot Price R242
Discovery Miles 2 420
Expected to ship within 12 - 17 working days
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This article reports the findings of an online survey conducted in
November-December 2021 on Indonesians' experience and perception of
fintech tools, focusing on fintech adoption in the Greater Jakarta
region, which besides Jakarta, includes Bogor, Depok, Tangerang and
Bekasi. One key finding is that, in the Greater Jakarta region,
socio-economic status as measured by income is not a key
determinant of fintech adoption. This is likely due to the more
developed and mature ICT infrastructure in the Greater Jakarta
region, which makes fintech tools readily accessible. However, the
kinds of fintech tools that are more likely to be used-M-banking,
E-wallet, Online Lending, Investment, Donations, and so on-are
influenced by factors such as income, education, gender, age and
occupation, suggesting that different fintech tools appeal to
different groups in society according to their needs and resources.
Psychological factors that are important in the adoption of fintech
include having many choices in the needed financial services and
feeling in control. While fintech users are concerned about data
leaks and fraud, this does not deter them from using fintech. It
may be anticipated that with the deepening of ICT infrastructure
and public education on the safe use of fintech, fintech usage in
Indonesia will continue to spread throughout the country.
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