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Hera Laxmi Devi Septiani

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Review Open access Aug 2026

From Financial Literacy to Fintech Adoption: Trust as a Mediating Mechanism in an Extended TAM–TPB Framework

Background: The rapid growth of financial technology has transformed access to financial services in Indonesia, promoting greater financial inclusion. However, concerns about trust, security, financial literacy, and ease of use continue to influence user adoption. This study investigates the effects of financial litera...

Hera Laxmi Devi Septiani, Irfan Nabhani, Nurul Qurrota A'Ini · 0 citations

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