Analysis of the Influence of Consumer Behavior Using FinTech Services with SEM and TOPSIS

This study will conduct a study of FinTech services regarding influencing factors and see the level of influential factors. The Technology Acceptance Model (TAM) theory from Davis is a theoretical basis and associated with perceived risk factors and trust. The research method used the quantitative method. Analysis data with Structural Equation Model (SEM) using smart pls v2.0. The Technique for Order of Preference by Similarity to Ideal Solution (TOPSIS) method to see the level of influence of the variables. We use questionnaires with google form and shared online and the snowball technique for collected data. The survey process obtained 564 respondents who stated to suitable the research criteria. The results are getting the main and very significant factor is the perceived usefulness factor, and the additional factor is trust and perceived ease of use factor. From these factors significantly affect users in adopting FinTech services. With these results, it can describe what factors can be of concern for the development carried out by the company. With these factors, it recognized that risk is a factor that is not considered to consider if the factors of usability and convenience factors that have been given. It also automatically increases the trust of users.