Technostress and Fintech Usage Intention: Exploring Gen Z's Experience with P2P Services in Indonesia

This study presents a comprehensive model that utilizes technostress factors to measure the behavioral intention of Gen Z in Indonesia towards the fintech application X Paylater. The relationship between key adoption factors is investigated using Partial Least Squares Structural Equation Modeling (P...

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Bibliographic Details
Published inInternational Conference on Bio-engineering for Smart Technologies (Online) pp. 1 - 4
Main Authors Putinagari, Meutia Wanni, Saputra, Muhardi, Nurtrisha, Widyatasya Agustika, Febriyani, Widia
Format Conference Proceeding
LanguageEnglish
Published IEEE 14.05.2025
Subjects
Accuracy
Biological system modeling
Fintech
fintech adoption model
gen z
Load modeling
Loading
Mathematical models
P2P
paylater services
Predictive models
Reliability
Security
technostress
Online AccessGet full text
ISSN2831-4352
DOI10.1109/BioSMART66413.2025.11046105

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Summary:This study presents a comprehensive model that utilizes technostress factors to measure the behavioral intention of Gen Z in Indonesia towards the fintech application X Paylater. The relationship between key adoption factors is investigated using Partial Least Squares Structural Equation Modeling (PLS-SEM). To improve the accuracy of the model, low-loading indicators (outer loading < 0.70) are removed, which increases reliability and validity. The findings indicate that subjective norms (β = 0.499) and perceived behavioral control (β = 0.280) have a significant impact on behavioral intention, while security concerns (β = −0.059) serve as a barrier to adoption. The model shows strong predictive ability, with behavioral intention showing the highest explanatory power (R 2 = 0.440).
ISSN:2831-4352
DOI:10.1109/BioSMART66413.2025.11046105