This survey aims to assess the impact of financial technology (FinTech) on Small and
Medium Enterprises Financial Inclusion and Credit Accessibility. Please indicate the
extent to which you agree or disagree with each statement using the following scale:
1 = Strongly Disagree
2 = Disagree
3 = Agree
4 = Strongly Agree
Your responses will be kept confidential and used solely for research purposes.
General Information
What is the name of your business? (Optional)
What is your business sector?
Manufacturing
Retail
Service
Agriculture
Technology
Others (Please specify)
FINANCIAL TECHNOLOGY
Perceived Risk
1 2 3 4
The use of FinTech-based financial inclusion services entails
greater financial risk.
There are too many things not known related with FinTech-based
financial inclusion offerings
Transactions based on FinTech for financial inclusion are not
sufficiently protected by legislation.
The use of FinTech based financial inclusion services has potential
risk
Perceived Usefulness
1 2 3 4
I am likely to use FinTech based financial inclusion services
I use FinTech based financial inclusion services frequently
I use FinTech based services a lot
I think that it is easy to make FinTech based financial inclusion
service transactions
I think that interaction with FinTech based F.I. services does not
require a lot of mental effort.
Learning to use FinTech based financial inclusion service would
be easy
Using FinTech based financial inclusion services will improve the
profitability of my savings
Using FinTech based financial inclusion services will allow me to
send money inexpensively to anyone in the world
Using FinTech based financial inclusion services will improve my
financial performance
Using FinTech based financial inclusion services will allow me to
increase my productivity
Fintech can be used for Financial Inclusion
Fintech can be used for Financial Inclusion with income
improvement
Fintech can be used for Financial Inclusion with saving
improvement
FINANCIAL INCLUSION
Behavioural Intention
1 2 3 4
I plan to be part of financial inclusion with the use of FinTech
services
For my transactions, I will always attempt to utilise FinTech-based
mobile services.
I plan to continue to use FinTech for Financial Inclusion
I plan to be part of Financial Inclusion using FinTech.
Effort Expectancy
1 2 3 4
I believe FinTech based financial inclusion Techniques will be
simple for me to grasp and apply
My interaction with FinTech based financial inclusion services
will be clear and understandable
Learning to utilise FinTech based financial inclusion services are
easy for me
FinTech based services are found easy to use
CREDIT ACCESSIBILITY
Speed and efficiency of loan approvals
1 2 3 4
I am aware of financial technology (FinTech) solutions for
business financing.
I have used a FinTech platform to apply for business credit or a
loan.
I frequently use FinTech platforms for credit access
Financial technology has made it easier for my business to access
credit.
FinTech has reduced the time required to get a loan compared to
traditional banks.
Using FinTech for loans has reduced the need for collateral.
I have faced challenges in accessing credit through FinTech
platforms.
