The Influence of TAM, Perceived Risk, and Trust on the Financial Performance of Multi-finance Companies Utilizing GPS Tracker Applications

This study investigates the influence of the Technology Acceptance Model (TAM), perceived risk, and trust on the financial performance of multi-finance companies utilizing GPS tracker applications. As technology adoption in the multi-finance sector grows, understanding these factors becomes crucial for optimizing financial outcomes. A quantitative research design involved a cross-sectional survey of multi-finance companies using GPS tracker applications. Data were collected from 150 managers and financial officers through structured questionnaires. Structural Equation Modelling (SEM) was used to analyze the relationships between TAM constructs (perceived ease of use and perceived usefulness), perceived risk, trust, and financial performance. The results indicate that perceived ease of use and usefulness significantly enhance trust in GPS tracker applications, positively impacting financial performance. Conversely, perceived risk negatively moderates the relationship between trust and financial performance.