The Effect Of Financial Inclusion, Financial Literacy On Sharia Fintech AcceptaSMEs Using The Technology Acceptence Model (TAM) in Medan City
Khairunnisa Harahap, Akmal Huda Nasution, Jumiadi A.W.

Universitas Negeri Medan

Abstract

This paper aims to describe the effect of financial literacy and financial inclusion on Financial Technology (FinTech) shariah for SMEs in Indonesia with technology acceptance model (TAM). This study uses quantitative methods with analysis tools SEM PLS. The population in this study were SMEs in Medan City with data collection technique used a questionnaire.
The results of the study show that there is a positive influence between islamic financial literacy and financial inclusion on financial technology for SMEs in Medan City. Findings of the study reveal that Islamic FinTech^s acceptance is determined by perceived ease of use, perceived usefulness and also self efficacy variable.
For further researchers, it is hoped that they can add variabels or factors that affect financial literacy and islamic financial inclusion, as well as what financial products they have owned and used.

Keywords: Shariah FinTech, Financial Inclusion, Finacial Literacy and SMEs

Topic: Applied Sciences and Information Technology