DETERMINANTS OF PEOPLE'S ATTITUDE IN USING FINANCIAL TECHNOLOGY
Keywords:
Digital Financial Literacy, Financial Ease of Technology
Abstract
On the other hand, community factors influence the attitude of using online loan services due to the ease of technology. The role of technology also influences a person's behavior or attitude and gives birth to a digital society. This research model is descriptive which utilizes a quantitative melndelkatan meltodel, namely a quantitative meltodel that utilizes primelr data analysis (angkelt) as data from information that will be related to the things to be studied telrselbult. The population in this study were the people of Labuhanbatu Regency, totaling 513,826 people, sourced from the Central Statistics Agency (BPS) of Labuhanbatu Regency in 2023. The sampling technique uses the Slovin formula and from the calculation results with a margin of error of 10% of the total population to 99.9 or fulfilled to 100 respondents. The sampling technique is simple random sampling. From the results of the study found that digital financial literacy does not have a positive and significant effect on customer attitudes. Conversely, the ease of financial technology has an influence on customer attitudes. Customer attitudes towards literacy and convenience have a simultaneous effect so that these two variables are the right variables in this study.References
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Wang, B. (2022). Fintech Development and Regulation in China. Proceedings of the 2022 7th International Conference on Financial Innovation and Economic Development (ICFIED 2022). https://doi.org/10.24042/al-mal.v1i2.6501
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Zhao, M., Dai, Y., Chen, H., & Li, Z. (2024). Financial literacy among Chinese rural households and its impact on stock-market participation. Borsa Istanbul Review, January. https://doi.org/10.1016/j.bir.2024.05.011
Ahdiat, A. (2024). Bad Debt Value of Pinjol Increases During the First Quarter of 2024.
Andriana, N., Malihah, E., & Nurbayani, S. (2023). The Impact Of Online Loans on Consumptive Behavior Among Students In The City Of Bandung. 8(2), 130-144. http://journal2.um.ac.id/index.php/jsph/
Bella, S., Saprida, S., & Setiawan, B. (2023). The Effect of Trust and Ease of Use on Interest in Transactions Using Financial Technology (Fintech) in Karang Baru Village, Banyuasin Regency. Scientific Journal of Sharia Economics Students (JIMESHA), 3 (1), 15-26. https://doi.org/10.36908/jimesha.v3i1.179
Golden, W., & Cordie, L. (2022). Digital Financial Literacy. Adult Literacy Education: The International Journal of Literacy, Language, and Numeracy, 4(3), 20-26. https://doi.org/10.35847/wgolden.lcordie.4.3.20
Hashem, A. (2024). Examining the Influence of Fintech Adoption on Customer Behavior from the Perspective of Service Providers in Jordanian Banks: An Empirical Study. Journal of System and Management Sciences, 14(4), 448-465. https://doi.org/10.33168/jsms.2024.0429
Jefrie, J., & Wiyanto, H. (2020). The Effect of Financial Attitude, Financial Knowledge, and Financial Behavior on Financial Technology Literacy. Journal of Managerial and Entrepreneurship, 2(2), 371. https://doi.org/10.24912/jmk.v2i2.7930
Jiwasiddi, A., Adhikara, C., Adam, M., & Triana, I. (2019). Attitude toward using Fintech among Millennials. January. https://doi.org/10.4108/eai.26-1-2019.2283199
Juairiah, J., Busono, G. A., & Fadeli, D. (2019). Consumer Attitudes and Perceptions of Online Purchasing Decisions in Sungai Lilinmusi Banyuasin. Journal of Management Science, 6(2), 164. https://doi.org/10.32502/jimn.v6i2.1587
Juliyah, J., Mawarni, I., Maulana, M. A., & Fajarwati, N. K. (2024). The Impact of Fintech Convenience in Online Lending on Private Employees in the Serang Area. Journal of General Studies and Research, 2(1).
Mulyanti, D., & Nurhayati, A. (2022). Application of Financial Literacy and Use of Financial Technology to Assess the Financial Performance of Umkm in West Java. Ekono Incentive, 16(2), 63-81. https://doi.org/10.36787/jei.v16i2.887
Ngafifi, M. (2014). Technological Advancement and Human Lifestyle in Socio-Cultural Perspective. Journal of Educational Development: Foundations and Applications, 2(1), 33-47. https://doi.org/10.21831/jppfa.v2i1.2616
Nugroho, B. (2022). The Role of Digital Literacy and Financial Literacy towards MSME Sustainability and Resilience. Dgb.Ui.Ac.Id, 2-17. https://dgb.ui.ac.id/wp-content/uploads/123/2023/04/Pidato-Pengukuhan-Prof.-Bernardus-Yuliarto-Nugroho-FIA.pdf
Pant, S., & Agarwal, M. (2023). Digital Financial Literacy and Fintech Adoption. Bharatiya Shiksha Shodh Patrika, 42(2), 240-254. https://www.researchgate.net/publication/378715559
Rahayu. R. (2022). Analysis of Factors Affecting the Level of Digital Financial Literacy - A Study on Generation Z in Indonesia. Indonesian Accounting and Business Review, 6(1), 73-87. https://doi.org/10.18196/rabin.v6i1.142682
Rahmadyanto, B. P., & Ekawaty, M. (2023). Online Loan Trends in Millennials: An Examination of Internal and External Contributors. Journal of Development Economic and Social Studies, 2(2), 249-258.
Schoultz, C., Spetz, E., & Pettersson, I. (2022). Psychological factors impacting the consumer buying behavior. JÖNKÖPING University.
Singh, M. (2024). a Study on the Impact of Fintech on Customer Experience. Interantional Journal of Scientific Research in Engineering and Management, 08(06), 1-5. https://doi.org/10.55041/ijsrem35438
Siswanti, T. (2023). Elementya Journal of Business and Accounting Elementya Journal of Business and Accounting. 8(1), 30-43.
Wang, B. (2022). Fintech Development and Regulation in China. Proceedings of the 2022 7th International Conference on Financial Innovation and Economic Development (ICFIED 2022). https://doi.org/10.24042/al-mal.v1i2.6501
Yang, J., Wu, Y., & Huang, B. (2023). Digital finance and financial literacy: Evidence from Chinese households ☆. 156(September). https://doi.org/10.1016/j.jbankfin.2023.107005
Zhao, M., Dai, Y., Chen, H., & Li, Z. (2024). Financial literacy among Chinese rural households and its impact on stock-market participation. Borsa Istanbul Review, January. https://doi.org/10.1016/j.bir.2024.05.011
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