Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal Jurnal RAK (Riset Akuntansi Keuangan)
Antaresti Dwi Kinanthi
Department of Accounting, Faculty of Economics and Business, Universitas Slamet Riyadi, Indonesia
Economics, Econometrics & Finance

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
The Role of Financial Self-Efficacy in Digital Financial Literacy and Financial Behavior: Evidence from Indonesia Sinta Putriana; Fadjar Harimurti; Antaresti Dwi Kinanthi
Jurnal RAK (Riset Akuntansi Keuangan) Vol. 10 No. 2 (2025): Jurnal RAK (Riset Akuntansi Keuangan)
Publisher : Universitas Tidar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31002/rak.v10i2.3314

Abstract

This study examines how young people's financial behaviors are impacted by digital financial literacy through financial self-efficacy. The study uses a quantitative, explanatory approach that utilizes PLS-SEM. 268 respondents from Generation Z and Millennials with at least 6 months of experience with digital financial products, such as mobile banking and digital wallets, comprised the final sample for this study. The findings of this study indicate that digital financial literacy positively affects financial self-efficacy, which in turn positively influences financial behavior. Furthermore, digital financial literacy has both direct and indirect effects on financial behavior. This association is somewhat mediated by financial self-efficacy. The results of this study demonstrate that digital financial literacy increases knowledge and skills while fostering financial confidence. This eventually promotes prudent and accountable financial conduct in the digital era. The results suggest that digital financial literacy should be integrated into financial education programs, especially in countries such as Indonesia, where fintech adoption is accelerating.
Co-Authors Fadjar Harimurti Sinta Putriana