Financial Inclusion and Digital Capability in Indonesia’s Fintech: Roles of Government Facilitation and Perceived Usefulness

DOI

10.2991/978-94-6239-709-5_111How to use a DOI?

Keywords

Financial Inclusion; FinTech Adoption; Digital Financial Literacy; Government Facilitation; Perceived Usefulness

Abstract

As financial technology (FinTech) rapidly transforms access to financial services in developing economies, questions remain about the mechanisms through which such innovations foster genuine financial inclusion. This study investigates the role of perceived usefulness and government facilitation in enhancing financial inclusion, and critically examines how digital financial literacy (DFL) moderates these relationships. Anchored in the Technology Acceptance Model and capability-oriented frameworks, a survey was conducted in selected districts of South Sulawesi, Indonesia, and analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM). The results confirm that both perceived usefulness and government facilitation significantly and positively affect financial inclusion. Moreover, DFL was found to significantly moderate the influence of perceived usefulness, amplifying its effect on inclusive financial behaviour. However, its moderating role on government facilitation was statistically insignificant, indicating potential contextual or intervening factors. The study contributes to the literature by integrating institutional, perceptual, and capability dimensions into a cohesive model of digital financial inclusion. Practically, it highlights the need for policies that not only expand access and infrastructure, but also elevate user literacy to convert digital opportunities into inclusive financial outcomes.

Copyright

© 2026 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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TY  - CONF
AU  - Nurazizah Nurazizah
AU  - Abdullah Sanusi
PY  - 2026
DA  - 2026/06/20
TI  - Financial Inclusion and Digital Capability in Indonesia’s Fintech: Roles of Government Facilitation and Perceived Usefulness
BT  - Proceedings of the 10th International Conference on Accounting, Management, and Economics (10th ICAME 2025)
PB  - Atlantis Press
SP  - 1587
EP  - 1605
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6239-709-5_111
DO  - 10.2991/978-94-6239-709-5_111
ID  - Nurazizah2026
ER  -