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All Journal JURNAL MANAJEMEN MOTIVASI
Amalia Husen , Ayu
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Peran Literasi Keuangan Digital dalam Memoderasi Hubungan antara Persepsi Risiko dan Penggunaan E-Wallet pada Pelaku UMKM Lintas Generasi di Kabupaten Morowali Amalia Husen , Ayu; Sastrawan Farid, Erwan; Kadang, Juliana; Anisah
JURNAL MANAJEMEN MOTIVASI Vol 22 No 1 (2026): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v22i1.8702

Abstract

This study examines the role of digital financial literacy in moderating the relationship between risk perception and e-wallet use among MSME actors across generations in Morowali Regency. Using a quantitative survey of 160 respondents analyzed with SEM-PLS and Multi-Group Analysis, the results show that risk perception negatively affects e-wallet use. Digital financial literacy significantly weakens this negative relationship, with the strongest moderating effect found in Generation Z. These findings imply that enhancing digital financial literacy is essential to reducing perceived risks and encouraging inclusive digital payment adoption among MSMEs across generational groups.
Co-Authors ANISAH Erwan Sastrawan Juliana Kadang