Adoption of Financial Technology Payments by MSMEs in Denpasar City: An Analysis from the UTAUT2 Perspective

Financial technology (fintech) payments offer various conveniences and benefits to users; however, adoption in Indonesia remains limited.This study aims to explore the factors influencing interest in using fintech payments, utilizing the Unified Theory of Acceptance and Use of Technology (UTAUT2) model.The research was conducted in Denpasar City, Bali, employing an accidental sampling technique.Data were collected by distributing questionnaires to micro, small, and medium enterprises (MSMEs) in Denpasar City that utilize fintech payments.A total of 116 respondents participated in the study.The results indicate that higher levels of performance expectancy, socio-cultural factors, facilitating conditions, price value, and habits positively influence the interest in using fintech payments.In contrast, effort expectancy and hedonic motivation were found to have no significant impact on this interest.