Triggering predictor effect on the intention of millennial and Z generation to recommend Fintech: an evidence from Indonesia

Purpose By integrating Technology Acceptance Model (TAM) and Theory of Reasoned Action (TRA) to relate the constructs used, this study aims to identify the predictors that drive the intention of millennial and Z generation to recommend Fintech among their generation and to find how the effect of the predictors is triggered. Design/methodology/approach The data processed with SPSS and Amos program is taken using the questionnaire sent to respondents in the form of Google link. The respondents of this survey study are 421 millennial and Z generation using Fintech on their mobile devices for transaction(s) in five major cities in Indonesia and taken using nonprobability, snowball and purposive sampling method. Findings Fintech attractiveness and flexibility, respectively, drives the intention of the millennial and Z generation to recommend Fintech to prospective users among their generation. Meanwhile, the empowerment of millennial and Z generation does not only do so but also triggers Fintech attractiveness and flexibility effect respectively on their intention to recommend Fintech to prospective users among their generation. In addition, Fintech attractiveness and flexibility, respectively, is the predictor of the empowerment of millennial and Z generation. Originality/value This study can integrate TAM with TRA through all constructs used to improve Fintech users among millennial and Z generation and to minimize the number of Indonesian adults who lack access to financial services.