Analysis of Factors Affecting the Intention of Applying for Digital-Based Loans Based on the Technology Acceptance Model

Abstract

This study focuses on analyzing the factors that influence the intention of applying for digital-based loans, using the Technology Acceptance Model (TAM). In the midst of the advancement of the digital economy that drives transformation in the financial sector, especially financial technology, this study examines how digital innovation affects consumer behavior in applying for loans. Through literature studies and empirical surveys, this study analyzes the role of Data Security & Privacy, Quality Administrative Service, Perceived Risk, Perceived Value, and Financial Literacy in influencing Perceived Usefulness, Perceived Ease of Use, Perceived Trust, and the intention of using digital loan applications. This study also examines the role of Perceived Usefulness, Perceived Ease of Use and Perceived Trust as mediating variables. The findings of this research are expected to provide valuable insights for the financial industry and consumers in understanding the factors that play a role in the adoption of financial technology, especially in the context of applying for digital loans.