The presence of information technology enables us to learn and get information we need from anywhere, anytime, and from anyone. From Uber worldwide, Gojek Indonesia to Airbnb and Tokopedia, they show how disruptions have transformed many industries. Until recently, the financial sector remained largely untouched (Deloitte Center for Financial Services, 2017). This changed with the breakthrough of fintech firms, which are companies that use technology for banking, payments, financial data analytics, capital markets and personal financial management (Huang, 2015). The Innovation of financial technology starts from banking industry with the existence of core banking system. A study from Deloitte (2017) described that consumers using the online financial services say that a big part of their appeal is the ease of setting up an account. More than two in five fintech users in US (43.4%) cite ease of setup as the number one reason to use these products. This is followed by more attractive rates/fees, access to different products and services, and better online experience and functionality. This study shows that either customer intention or satisfaction might be one of the reason why consumers finally decide to use the emerging technology offered by financial institution. Additionally, as most of the banks are directing their tech investment towards internet banking (e-banking) as their first priority (PwC, 2017), it is even more crucial to pay more attention in the context of what factors that drive consumers to use financial technology. This issue becomes an interesting topic for the researchers to investigate on what affects consumers to use technology, specifically the fintech 3.0 generation in banking industry, using the Unified Theory of Acceptance and Use of Technology (UTAUT) model

Fintech, fintech 3.0, banking technology, UTAUT, customer intention, customer satisfaction

• Ahmad Seiichi Ramadhan, S.E., M.M.

• Valentina Tohang, SE., M.Bus(ERP)., M.Bus (Acc).