Influence of Financial Ability, Financial Knowledge, and Security on The Interest in Using Digital Payments as a Development of Sharia Economy

Abstract

A good understanding of Islamic financial literacy and digital financial services can be used as the basis for governments and Islamic financial institutions to formulate product communication strategies to be precise and accurate. Digital financial services provide many benefits for service providers as well as for users. This quantitative research was conducted by survey method using a questionnaire with purposive sampling technique. The questionnaire was tested for validity and reliability first and exceeded the standard and analysis with descriptive statistics and simple linear regression. This study found that Islamic financial literacy has a positive and significant effect on digital financial services in consumers in Yogyakarta. The influence of Islamic financial literacy is 54.1%, while other variables outside this study are 45.9%.
 Keywords: Islamic Financial Literacy; Digital Financial Services