{"id":"https://openalex.org/W4403624973","doi":"https://doi.org/10.1145/3690001.3690032","title":"Examining Determinant of Behavioral Intention to Continue Using Online Loans Through Expectation-Confirmation Model in The Context of Fintech Lending in Indonesia","display_name":"Examining Determinant of Behavioral Intention to Continue Using Online Loans Through Expectation-Confirmation Model in The Context of Fintech Lending in Indonesia","publication_year":2024,"publication_date":"2024-07-08","ids":{"openalex":"https://openalex.org/W4403624973","doi":"https://doi.org/10.1145/3690001.3690032"},"language":"en","primary_location":{"id":"doi:10.1145/3690001.3690032","doi":"https://doi.org/10.1145/3690001.3690032","is_oa":false,"landing_page_url":"https://doi.org/10.1145/3690001.3690032","pdf_url":null,"source":{"id":"https://openalex.org/S7407087493","display_name":"International Conference on Internet and E-Business (ICIEB)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"conference"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the 2024 4th International Conference on Internet and E-Business","raw_type":"proceedings-article"},"volume":null,"type":"conference-paper","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5000633463","display_name":"Bahalwan Apriyansyah","orcid":"https://orcid.org/0000-0002-0805-4957","observed_orcids":["https://orcid.org/0000-0002-0805-4957"]},"institutions":[{"id":"https://openalex.org/I104588304","display_name":"University of Szczecin","ror":"https://ror.org/05vmz5070","country_code":"PL","type":"education","lineage":["https://openalex.org/I104588304"]},{"id":"https://openalex.org/I166843116","display_name":"Institut Teknologi Sepuluh Nopember","ror":"https://ror.org/05kbmmt89","country_code":"ID","type":"education","lineage":["https://openalex.org/I166843116"]}],"countries":["ID","PL"],"is_corresponding":false,"raw_author_name":"Bahalwan Apriyansyah","raw_affiliation_strings":["Doctoral School, University of Szczecin, Poland and \rBusiness Management Department, Institut Teknologi Sepuluh Nopember Surabaya, Indonesia"],"raw_orcid":"https://orcid.org/0000-0002-0805-4957","affiliations":[{"raw_affiliation_string":"Doctoral School, University of Szczecin, Poland and \rBusiness Management Department, Institut Teknologi Sepuluh Nopember Surabaya, Indonesia","institution_ids":["https://openalex.org/I104588304","https://openalex.org/I166843116"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5012589112","display_name":"Ninditya Nareswari","orcid":"https://orcid.org/0000-0001-9715-0109","observed_orcids":["https://orcid.org/0000-0001-9715-0109"]},"institutions":[{"id":"https://openalex.org/I104588304","display_name":"University of Szczecin","ror":"https://ror.org/05vmz5070","country_code":"PL","type":"education","lineage":["https://openalex.org/I104588304"]},{"id":"https://openalex.org/I166843116","display_name":"Institut Teknologi Sepuluh Nopember","ror":"https://ror.org/05kbmmt89","country_code":"ID","type":"education","lineage":["https://openalex.org/I166843116"]}],"countries":["ID","PL"],"is_corresponding":false,"raw_author_name":"Ninditya Nareswari","raw_affiliation_strings":["Doctoral School, University of Szczecin, Poland and \rBusiness Management Department, Institut Teknologi Sepuluh Nopember Surabaya, Indonesia"],"raw_orcid":"https://orcid.org/0000-0001-9715-0109","affiliations":[{"raw_affiliation_string":"Doctoral School, University of Szczecin, Poland and \rBusiness Management Department, Institut Teknologi Sepuluh Nopember Surabaya, Indonesia","institution_ids":["https://openalex.org/I104588304","https://openalex.org/I166843116"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5046092614","display_name":"Yogi Tri Prasetyo","orcid":"https://orcid.org/0000-0003-3535-9657","observed_orcids":["https://orcid.org/0000-0003-3535-9657"]},"institutions":[{"id":"https://openalex.org/I137967721","display_name":"Map\u00faa University","ror":"https://ror.org/040rd2b57","country_code":"PH","type":"facility","lineage":["https://openalex.org/I137967721"]},{"id":"https://openalex.org/I99908691","display_name":"Yuan Ze University","ror":"https://ror.org/01fv1ds98","country_code":"TW","type":"education","lineage":["https://openalex.org/I99908691"]}],"countries":["PH","TW"],"is_corresponding":false,"raw_author_name":"Yogi Tri Prasetyo","raw_affiliation_strings":["Department of Industrial Engineering and Management, Yuan Zhe University, Taiwan and \rSchool of Industrial Engineering and Engineering Management, Map\u00faa University, Philippines"],"raw_orcid":"https://orcid.org/0000-0003-3535-9657","affiliations":[{"raw_affiliation_string":"Department of Industrial Engineering and Management, Yuan Zhe University, Taiwan and \rSchool of Industrial Engineering and Engineering Management, Map\u00faa University, Philippines","institution_ids":["https://openalex.org/I137967721","https://openalex.org/I99908691"]}]},{"author_position":"middle","author":{"id":null,"display_name":"Mohammad Habibur Rohman","orcid":"https://orcid.org/0009-0005-5828-7379","observed_orcids":["https://orcid.org/0009-0005-5828-7379"]},"institutions":[{"id":"https://openalex.org/I166843116","display_name":"Institut Teknologi Sepuluh Nopember","ror":"https://ror.org/05kbmmt89","country_code":"ID","type":"education","lineage":["https://openalex.org/I166843116"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Mohammad Habibur Rohman","raw_affiliation_strings":["Business Management Department, Institut Teknologi Sepuluh Nopember Surabaya, Indonesia"],"raw_orcid":"https://orcid.org/0009-0005-5828-7379","affiliations":[{"raw_affiliation_string":"Business Management Department, Institut Teknologi Sepuluh Nopember Surabaya, Indonesia","institution_ids":["https://openalex.org/I166843116"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5083479867","display_name":"Maela Madel L. Cahigas","orcid":"https://orcid.org/0000-0002-6368-3393","observed_orcids":["https://orcid.org/0000-0002-6368-3393"]},"institutions":[{"id":"https://openalex.org/I137967721","display_name":"Map\u00faa University","ror":"https://ror.org/040rd2b57","country_code":"PH","type":"facility","lineage":["https://openalex.org/I137967721"]}],"countries":["PH"],"is_corresponding":false,"raw_author_name":"Maela Madel Cahigas","raw_affiliation_strings":["School of Industrial Engineering and Engineering Management, Map\u00faa University, Philippines"],"raw_orcid":"https://orcid.org/0000-0002-6368-3393","affiliations":[{"raw_affiliation_string":"School of Industrial Engineering and Engineering Management, Map\u00faa University, Philippines","institution_ids":["https://openalex.org/I137967721"]}]}],"institutions":[],"countries_distinct_count":4,"institutions_distinct_count":4,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":2.877,"has_fulltext":false,"cited_by_count":6,"citation_normalized_percentile":{"value":0.91794365,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":93,"max":98},"biblio":{"volume":null,"issue":null,"first_page":"88","last_page":"96"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10068","display_name":"Technology Adoption and User Behaviour","score":0.9990000128746033,"subfield":{"id":"https://openalex.org/subfields/1802","display_name":"Information Systems and Management"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10068","display_name":"Technology Adoption and User Behaviour","score":0.9990000128746033,"subfield":{"id":"https://openalex.org/subfields/1802","display_name":"Information Systems and Management"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.000699999975040555,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14416","display_name":"Health, Technology, Consumer Behavior","score":9.999999747378752e-05,"subfield":{"id":"https://openalex.org/subfields/3605","display_name":"Health Information Management"},"field":{"id":"https://openalex.org/fields/36","display_name":"Health Professions"},"domain":{"id":"https://openalex.org/domains/4","display_name":"Health Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/fintech-lending","display_name":"fintech lending","score":0.9570000171661377},{"id":"https://openalex.org/keywords/online-loans","display_name":"online loans","score":0.9449999928474426},{"id":"https://openalex.org/keywords/continuance-intention","display_name":"continuance intention","score":0.949999988079071},{"id":"https://openalex.org/keywords/expectation-confirmation-model","display_name":"expectation-confirmation model","score":0.9309999942779541},{"id":"https://openalex.org/keywords/user-satisfaction","display_name":"user satisfaction","score":0.9599999785423279},{"id":"https://openalex.org/keywords/trust","display_name":"trust","score":0.8429999947547913},{"id":"https://openalex.org/keywords/perceived-usefulness","display_name":"perceived usefulness","score":0.9950000047683716}],"concepts":[{"id":"https://openalex.org/C2779343474","wikidata":"https://www.wikidata.org/wiki/Q3109175","display_name":"Context (archaeology)","level":2,"score":0.7857215404510498},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.46100470423698425},{"id":"https://openalex.org/C78639753","wikidata":"https://www.wikidata.org/wiki/Q3318160","display_name":"Behavioral modeling","level":2,"score":0.4604980945587158},{"id":"https://openalex.org/C183322885","wikidata":"https://www.wikidata.org/wiki/Q17007702","display_name":"Context model","level":3,"score":0.42405208945274353},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.41384586691856384},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.3361082375049591},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.25728803873062134},{"id":"https://openalex.org/C205649164","wikidata":"https://www.wikidata.org/wiki/Q1071","display_name":"Geography","level":0,"score":0.07355454564094543},{"id":"https://openalex.org/C166957645","wikidata":"https://www.wikidata.org/wiki/Q23498","display_name":"Archaeology","level":1,"score":0.0},{"id":"https://openalex.org/C2781238097","wikidata":"https://www.wikidata.org/wiki/Q175026","display_name":"Object (grammar)","level":2,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1145/3690001.3690032","doi":"https://doi.org/10.1145/3690001.3690032","is_oa":false,"landing_page_url":"https://doi.org/10.1145/3690001.3690032","pdf_url":null,"source":{"id":"https://openalex.org/S7407087493","display_name":"International Conference on Internet and E-Business (ICIEB)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"conference"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the 2024 4th International Conference on Internet and E-Business","raw_type":"proceedings-article"}],"best_oa_location":null,"sustainable_development_goals":[],"study_designs":[{"display_name":"Observational Study","id":"https://openalex.org/study-designs/observational-study"}],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":30,"referenced_works":["https://openalex.org/W115073258","https://openalex.org/W1501072695","https://openalex.org/W1505987573","https://openalex.org/W1755880734","https://openalex.org/W1820801730","https://openalex.org/W2020625361","https://openalex.org/W2028184439","https://openalex.org/W2061595791","https://openalex.org/W2065189722","https://openalex.org/W2069861487","https://openalex.org/W2071666535","https://openalex.org/W2094267460","https://openalex.org/W2100025715","https://openalex.org/W2102104266","https://openalex.org/W2110506823","https://openalex.org/W2113052243","https://openalex.org/W2125860986","https://openalex.org/W2142175015","https://openalex.org/W2174795374","https://openalex.org/W2334884533","https://openalex.org/W2512628626","https://openalex.org/W2528998433","https://openalex.org/W2567323794","https://openalex.org/W2903005174","https://openalex.org/W2903172129","https://openalex.org/W3126070757","https://openalex.org/W3150973655","https://openalex.org/W4235678817","https://openalex.org/W4381053323","https://openalex.org/W6755445501"],"related_works":["https://openalex.org/W7130519404","https://openalex.org/W3089614934","https://openalex.org/W3194056714","https://openalex.org/W7125956851","https://openalex.org/W4386764644","https://openalex.org/W4386805185","https://openalex.org/W7169584233","https://openalex.org/W7169731610","https://openalex.org/W7215911020","https://openalex.org/W3155071940"],"abstract_inverted_index":{"Financial":[0],"technology":[1,15],"has":[2],"grown":[3],"and":[4,34,61,75,123,142,152,154,167,185,200],"received":[5],"a":[6],"positive":[7],"response":[8],"in":[9,176],"Indonesia.":[10],"One":[11],"type":[12],"of":[13,24,29,32,36,51,156,205],"financial":[14],"experiencing":[16],"rapid":[17],"development":[18],"is":[19,162,213],"fintech":[20,25,39,55,89,109,173],"lending.":[21],"Some":[22],"advantages":[23],"lending":[26,40,110,174],"include":[27],"ease":[28],"access,":[30],"speed":[31],"process,":[33],"variety":[35],"offers.":[37],"Therefore,":[38,102],"should":[41],"focus":[42],"on":[43,97,202,210],"users\u2019":[44],"continued":[45],"use":[46],"to":[47,70,100,112,181,187,191],"ensure":[48],"the":[49,66,93,98,115,129,136,194,197,203],"survival":[50],"information":[52],"systems.":[53],"The":[54],"company":[56],"must":[57,178],"evaluate":[58],"current":[59],"policy":[60],"create":[62],"strategic":[63],"action":[64],"regarding":[65],"user's":[67],"perspective":[68],"experiences":[69],"maintain":[71],"customer":[72],"satisfaction,":[73],"privacy,":[74,153],"trust.":[76],"Preceding":[77],"studies":[78],"have":[79],"demonstrated":[80],"that":[81,139,172],"Indonesian":[82],"individuals":[83],"consider":[84],"several":[85],"aspects":[86],"when":[87],"utilizing":[88],"loan":[90],"services.":[91],"Nevertheless,":[92],"research":[94,201,209],"solely":[95],"concentrated":[96],"intention":[99,161],"use.":[101],"this":[103],"study":[104],"examines":[105],"what":[106],"factors":[107],"influence":[108,204],"users":[111],"continue":[113,192],"using":[114,193],"service.":[116,195],"200":[117],"respondents":[118],"were":[119],"successfully":[120],"recruited":[121],"virtually":[122],"answered":[124],"21":[125],"self-administered":[126],"questions.":[127],"Using":[128],"Expectation-Confirmation":[130],"Model":[131],"from":[132],"Structural":[133],"Equation":[134],"Model,":[135],"results":[137,170],"demonstrate":[138],"user":[140,157,183],"satisfaction":[141,184],"trust":[143,166,186],"are":[144],"positively":[145,163],"influenced":[146,164],"by":[147,165],"perceived":[148,150],"usefulness,":[149],"security":[151],"confirmation":[155],"expectations.":[158],"Moreover,":[159],"continuance":[160],"satisfaction.":[168],"These":[169],"suggest":[171],"services":[175],"Indonesia":[177],"develop":[179],"strategies":[180],"enhance":[182],"boost":[188],"users'":[189],"intentions":[190],"Considering":[196],"numerous":[198],"theories":[199],"mediating":[206,211],"variables,":[207],"further":[208],"variables":[212],"quite":[214],"interesting.":[215]},"counts_by_year":[{"year":2026,"cited_by_count":4},{"year":2025,"cited_by_count":2}],"updated_date":"2026-11-04T10:54:05.112534","created_date":"2024-10-22T00:00:00"}