ISTIANINGSIH, ISTIANINGSIH and Kamil, Islamiah and Suraji, Robertus and OBOZNA, ALONA The Role Of Self-Control In The Impact Of Artificial Intelligence Innovation On Lending Decisions In Online Fintech. MANDIRI.
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The Role Of Self-Control In The Impact of Artificial.pdf Download (947kB) |
Abstract
This research contributes to the literature by measuring the impact of artificial intelligence (AI) innovation on the decision to borrow funds through online financial technology (FinTech) applications; this has not been researched before. The purpose of this study is to examine the impact of AI on decisions to borrow funds through an online Fintech application. This study also includes self-control as an intervening variable in the relationship between perceptions of AI innovation and online FinTech. In addition, we also tested the effect of lifestyle, impulsive buying, and hedonism on loan decisions in online FinTech applications with self-control as an intervening variable. The sample is 239 online FinTech application users in the DKI Jakarta area. This study collected primary data with questionnaires. The analytical method used to test the hypothesis is path analysis. The results show that there is a direct effect of AI, lifestyle, impulsive buying, and hedonism on borrowing decisions in online FinTech applications. The result shows a direct and indirect effect of AI on the decision to loan in online FinTech. Lifestyle and impulsive buying have a positive effect on the decision to use online FinTech. Hedonism also positively affects borrowing decisions in online FinTech. Self-control links AI, lifestyle, impulsive buying, and hedonism. The direct effect is greater than the indirect effect.
| Item Type: | Other |
|---|---|
| Subjects: | Ilmu Sosial > Ekonomi > Akuntansi Ilmu Sosial > Ekonomi |
| Divisions: | Fakultas Ekonomi dan Bisnis > Akuntansi |
| Depositing User: | Dr Istianingsih Sastrodiarjo |
| Date Deposited: | 08 Oct 2021 01:25 |
| Last Modified: | 08 Oct 2021 01:25 |
| URI: | http://repository.ubharajaya.ac.id/id/eprint/11210 |
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