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All Journal Sinergi International Journal of Communication Sciences
Renova Sitorus
State University of Jakarta
Languange, Linguistic, Communication & Media

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Analysis of Digital Financial Literacy Factors of Students at SMA Negeri 4 Jakarta Renova Sitorus; Suparno; Ari Saptono
Sinergi International Journal of Communication Sciences Vol. 4 No. 2 (2026): May 2026
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijcs.v4i2.940

Abstract

This study aims to analyze the influence of financial knowledge (FK), financial behavior (FB), and digital skills (DS) on digital financial literacy (DFL) among high school students at SMA Negeri 4 Jakarta. Using a quantitative approach with a cross-sectional survey, the study tested four hypotheses through Partial Least Squares Structural Equation Modeling (PLS-SEM). The results revealed that financial knowledge significantly affects digital financial literacy directly and has an indirect impact through digital skills. However, financial behavior did not have a statistically significant effect on students’ digital financial literacy. Digital skills were found to have a significant positive effect on digital financial literacy. The study emphasizes the importance of digital skills in enhancing financial literacy within the context of the digital economy. This study offers a novel empirical contribution by proposing a digital financial literacy model for high school students in Indonesia that highlights digital skills as a key mechanism while revealing the limited role of financial behavior at this educational level.
Co-Authors Ari Saptono Suparno