Pengaruh literasi keuangan, persepsi kemudahan, manfaat, keamanan dan pengaruh sosial terhadap minat penggunaan fintech

Abstract

AbstrakPenelitian ini bertujuan untuk memberikan hasil pengujian secara empiris faktorfaktor yang mempengaruhi minat generasi milenial di provinsi Bali dalam menggunakan fintech. Teori yang digunakan dalam menganalisis minat penggunaan fintech adalah kombinasi dari teori Technology Accaptence Model (TAM) dan Theory Planned Behavior (TPB) sebagai acuan teroritis penelitian. Jenis penelitian ini adalah kuantitatif dengan probability sampling dan teknik pengambilan sampel simple random sampling menggunakan metode survei melalui penyebaran kuesioner kepada 140 responden. Kemudian alat analisis yang digunakan menggunakan software SmartPLS 3.2.9. hasil pengujian secara empiris menunjukan minat generasi milenial untuk menggunakan fintech dipengaruhi secara positif dan signifikan oleh literasi keuangan, persepsi manfaat, persepsi kemudahan penggunaan, pengaruh sosial dan persepsi keamanan. Bukti lain menunjukan bahwa persepsi keamanan memiliki skor path coefficient yang tertinggi yang diikuti dengan persepsi kemudahan. Hal tersebut mengindikasikan bahwa generasi milenial lebih mementingkan sistem keamanan fintech yang menjamin informasi pribadi mereka, juga aman ketika melakukan transaksi. Kemudian generasi milenial lebih suka melakukan sesuatu dengan praktis dan tidak memakan waktu, dalam hal ini bertransaksi menggunakan fintech. Penting bagi perushaan fintech untuk memberikan jaminan kemanan sistem dan kemudahan dalam bertransaksi menggunakan fintech. Kata kunci: Minat penggunaan fintech; literasi keuangan; generasi milenial; persepsi The influence of financial literacy, perceived convenience, benefits, security and social influence on interest in using fintech

The Influence of Perceived Ease and Risk of Use and Financial Literacy on Decisions to Make Transactions Using QRIS in SMES in South Denpasar

“…It means that the better financial literacy, the use of QRIS will increase. It is supported by research by Aditya and Mahyuni (2022), who found that financial literacy has a positive effect on the use of QRIS. With sound financial literacy, the use of QRIS will be even better.…”

“…Effectively Managing personal finances is essential, covering all levels of society from all walks of life and backgrounds. Research conducted by Rawadiah (2020) and Aditya and Mahyuni (2022) found that financial literacy has a positive effect on the use of QRIS.…”

The Effect of Convenience and Security on Satisfaction with Customer Interest as Mediator

“…One of the strategies that banking companies can apply is paying attention to user convenience that can be easily understood so that customers can easily operate the mobile banking service system (Dirwan, 2018). the results of research conducted by Aditya (2022) show that the influence of perceived ease of use on fintech interest in the millennial generation in Bali province based on testing has a positive and significant relationship. This finding is supported by research conducted which shows that the perception of convenience has a significant positive influence on interest in using the OVO application as an e-money payment tool.…”

“…The results of research conducted show that perceptions of security have a positive influence on BNI bank customers' interest in using mobile banking at the BNI Palu Branch. Research results from Aditya (2022) show that the influence of perceived security on interest in using fintech on millennial generalization in Bali province based on testing has a positive and significant relationship. H2: Security has a positive effect on interest in using mobile banking…”

The Influence of Perception, Trust, And Security on Fintech E-Wallet Services: The Case of The Z Generation in Yogyakarta

“…Perception of security is the extent to which people as users of digital financial services (e-wallets) believe that the technology is safe to use (Khoiriyah, et.al., 2023). The better the security system that the company providing fintech e-wallet services has in protecting the personal information of its users, the higher the number of users using fintech e-wallet services (Aditya & Mahyuni, 2022). Research conducted by Aditya & Mahyuni (2022) shows the results that perceived security has a positive and significant effect on the interest of the millennial generation in Bali province in using fintech, while research conducted by Sukmawati, K & Kowanda, D (2022) & Ananda, P & Nuriyah, A (2023) show results that perceived security does not influence interest in using e-wallet.…”