Financial technology (Fintech) innovation and financial inclusion: comparative study of urban and rural consumers post-Covid-19 pandemic
Summary. This study examines how rural and urban consumers in Indonesia adopted financial technology after Covid-19, using survey data from 654 respondents. The research found that preference for the status quo most strongly drives Fintech adoption, while personal innovativeness has minimal impact. Actual use of Fintech significantly improves financial inclusion. Rural and urban populations differ in how digital literacy and government support influence their adoption decisions, suggesting providers should tailor digital finance strategies by location.
Cite this article
Setiawan, B., Triana, D., Azizah, U. S. A., Wahyuni, A. S., Victor, V., Nathan, R. J., & Fekete‐Farkas, M.. (2025). Financial technology (Fintech) innovation and financial inclusion: comparative study of urban and rural consumers post-Covid-19 pandemic. Journal of Innovation and Entrepreneurship. https://doi.org/10.1186/s13731-024-00452-x
Setiawan, Budi, et al. “Financial technology (Fintech) innovation and financial inclusion: comparative study of urban and rural consumers post-Covid-19 pandemic.” Journal of Innovation and Entrepreneurship, 2025. https://doi.org/10.1186/s13731-024-00452-x.
Setiawan, Budi, Dien Triana, Ummu Salma Al Azizah, Andi Sri Wahyuni, Vijay Victor, Robert Jeyakumar Nathan, and Mária Fekete‐Farkas. 2025. “Financial technology (Fintech) innovation and financial inclusion: comparative study of urban and rural consumers post-Covid-19 pandemic.” Journal of Innovation and Entrepreneurship. https://doi.org/10.1186/s13731-024-00452-x.
@article{setiawan-2025-financial-technology-fintech-innovation-financial,
title = {Financial technology (Fintech) innovation and financial inclusion: comparative study of urban and rural consumers post-Covid-19 pandemic},
author = {Budi Setiawan and Dien Triana and Ummu Salma Al Azizah and Andi Sri Wahyuni and Vijay Victor and Robert Jeyakumar Nathan and Mária Fekete‐Farkas},
journal = {Journal of Innovation and Entrepreneurship},
year = {2025},
doi = {10.1186/s13731-024-00452-x},
url = {https://doi.org/10.1186/s13731-024-00452-x}
}
TY - JOUR TI - Financial technology (Fintech) innovation and financial inclusion: comparative study of urban and rural consumers post-Covid-19 pandemic AU - Budi Setiawan AU - Dien Triana AU - Ummu Salma Al Azizah AU - Andi Sri Wahyuni AU - Vijay Victor AU - Robert Jeyakumar Nathan AU - Mária Fekete‐Farkas JO - Journal of Innovation and Entrepreneurship PY - 2025 DO - 10.1186/s13731-024-00452-x UR - https://doi.org/10.1186/s13731-024-00452-x ER -
Details
- DOI
- 10.1186/s13731-024-00452-x
- Countries
- Indonesia
- Regions
- Asia
- Categories
- broadband-and-digital, entrepreneurship, policy
- Added
- 2026-04-28