August 12, 2025

Fintech Adoption: The Role of Financial Literacy, Trust and User Innovativeness in Msmes in Sampang

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Quantitative analysis reveals user innovativeness significantly drives fintech adoption in MSMEs, suggesting digital education is crucial.

User innovativeness significantly influences fintech adoption, highlighting the need for a technology-positive mindset.
Financial literacy indirectly impacts fintech adoption through user innovativeness, suggesting that education alone is not enough.
Data collection involved a structured questionnaire with 100 MSME users, analyzed using Structural Equation Modeling.
Trust in fintech services remains a concern, indicating a gap that public policies can address for improved adoption.

Chrismardani et al. (2025) studied this question.

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Quantitative analysis reveals user innovativeness significantly drives fintech adoption in MSMEs, suggesting digital education is crucial.