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All Journal Owner : Riset dan Jurnal Akuntansi JURNAL EKONOMI SAKTI (JES) INVOICE : JURNAL ILMU AKUNTANSI Al-Buhuts (e-journal) Golden Ratio of Finance Management Journal of Community Service and Society Empowerment Advances in Management & Financial Reporting
Badollahi, Ismail
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Agriculture, Biological Sciences & Forestry Humanities Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Public Health Social Sciences

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Journal : Owner : Riset dan Jurnal Akuntansi

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Pengaruh Literasi Keuangan Dan Digital Payment Terhadap Minat Belanja Mahasiswa: Kepercayaan Sebagai Variabel Mediasi Selfianti, Selfianti; Arsal, Muryani; Badollahi, Ismail
Owner : Riset dan Jurnal Akuntansi Vol. 9 No. 2 (2025): Artikel Riset April 2025
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/owner.v9i2.2708

Abstract

This study examines the influence of financial literacy and digital payment on students' shopping interest, with trust as a mediating variable. Using a quantitative approach with 116 postgraduate students from Universitas Muhammadiyah Makassar, data were analyzed through PLS-SEM. Results indicate that digital payment significantly affects shopping interest both directly (?=0.250, p<0.001) and indirectly through trust, while financial literacy shows no significant impact. These findings align with the Theory of Planned Behavior, where perceived behavioral control (digital payment ease) and trust shape behavioral intentions. The study addresses a critical gap by empirically validating trust's mediating role in fintech adoption among students, offering practical insights for digital payment providers to enhance security features and user experience.
Co-Authors Akbar Akbar Alfiani Alfiani, Alfiani Angelita, Anggi Anwar Anwar Arsal, Muryani Elmayana, Elmayana Hak, Nasrul Hardianti, H. Ismawati Ismawati Jamaluddin Majid K., M. Yusuf Mahfiza Mahfiza, Mahfiza Marsuni, Nur Sandi Masrullah, Masrullah Mira Mira Muh. Rum Nurdiana , Nurdiana Nurhidayah Nurhidayah Safitri, Melsa Safri Haliding Selfianti, Selfianti Susanto, Idil Rakhmat wahyuni wahyuni Yahya, Wahyudin