Development and Validation of Instruments Adoption FinTech services in Indonesia (Perspective of Trust and Risk)

This study explores the influence of trust and risk in the use of FinTech in Indonesian society. This exploration is based on findings from previous studies that suggest that trust and risk are important aspects in considering the use of FinTech. The focus of this research is to develop and validate the research instruments that will be used next. The basic theory of model development uses the theory of Technology Acceptance Model (TAM) developed by Davis. The models and instruments developed will be through pilot studies involving 133 communities as respondents. This Study is quantitative research and data obtained were analyzed using smart pls v3.0. This analysis is conducted to ensure the level of reliability and validity of the instrument. The results of this analysis find 31 instruments that are stated reliable and validity. So it can be used for collecting data from a survey in accordance with the research.