FinTech in the Small Food Business and Its Relation with Open Innovation

Mukhamad Najib, Wita Juwita Ermawati, Farah Fahma, Endri Endri, Dwi Suhartanto · 2021 · Journal of Open Innovation Technology Market and Complexity

Summary. Small food businesses struggle to access traditional bank financing. This study examines what drives small food business owners to adopt financial technology (FinTech) for credit access. Using a modified UTAUT 2 model with 184 Indonesian respondents, researchers found that knowledge, safety perceptions, performance expectations, social influence, facilitation conditions, and price values all influence FinTech adoption. The research shows that adopting FinTech improves business sustainability for small food enterprises.

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@article{najib-2021-fintech-small-food-business-its,
  title   = {FinTech in the Small Food Business and Its Relation with Open Innovation},
  author  = {Mukhamad Najib and Wita Juwita Ermawati and Farah Fahma and Endri Endri and Dwi Suhartanto},
  journal = {Journal of Open Innovation Technology Market and Complexity},
  year    = {2021},
  doi     = {10.3390/joitmc7010088},
  url     = {https://doi.org/10.3390/joitmc7010088}
}

TY  - JOUR
TI  - FinTech in the Small Food Business and Its Relation with Open Innovation
AU  - Mukhamad Najib
AU  - Wita Juwita Ermawati
AU  - Farah Fahma
AU  - Endri Endri
AU  - Dwi Suhartanto
JO  - Journal of Open Innovation Technology Market and Complexity
PY  - 2021
DO  - 10.3390/joitmc7010088
UR  - https://doi.org/10.3390/joitmc7010088
ER  - 

Details

DOI

10.3390/joitmc7010088

Countries

Indonesia

Regions

Asia

Categories

funding, food-systems, broadband-and-digital, general-innovation

Added

2026-04-28