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Agus Maolana Hidayat
Universitas Telkom
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Journal : Multidisciplinary Indonesian Center Journal

 1 
THE EFFECT OF FINTECH USAGE ON CONSUMER BEHAVIORAL INTENTIONS THROUGH FINANCIAL LITERACY AND CUSTOMER SATISFACTION ON INVESTMENT APPLICATIONS Ismawati; Agus Maolana Hidayat; Pradana, Mahir
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 2 No. 3 (2025): Vol. 2 No. 3 Edisi Juli 2025
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v2i3.913

Abstract

This study seeks to explore the relationship between the understanding of fintech usage, behavioral intention, financial literacy, customer satisfaction, and brand image within the framework of the Bibit investment application. As consumer awareness of digital financial services continues to increase, companies are adopting strategies to strengthen user engagement and foster trust. The research highlights the critical role of financial literacy and customer satisfaction in cultivating stronger relationships between users and fintech platforms. The findings indicate that enhancing financial literacy and providing intuitive, user-friendly experiences not only elevate customer satisfaction but also encourage greater user loyalty. In light of the rising demand for informed decision-making and trust in digital financial services, fintech platforms that align with consumer expectations regarding education and service quality are better positioned to build long-term, meaningful relationships with users, thereby promoting sustained engagement and brand loyalty. Furthermore, the paper addresses the potential directions for future research focused on enhancing customer engagement with fintech platforms, particularly in the context of a highly competitive and awareness-driven market.
ANALYSIS OF THE ROLE OF PERCEIVED USEFULNESS AND PERCEIVED EASE OF USE IN THE RELATIONSHIP BETWEEN FINANCIAL BEHAVIORAL BIASES AND BITCOIN INVESTMENT DECISIONS AMONG GENERATION Z USERS OF TOKOCRYPTO AND INDODAX Silvi Amisha Putri; Budi Rustandi Kartawinata; Agus Maolana Hidayat
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 3 No. 1 (2026): Vol. 3 No. 1 Edisi Januari 2026
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v3i1.1843

Abstract

This study aims to analyze the role of perceived usefulness (PU) and perceived ease of use (PEOU) in mediating the relationship between financial behavioral biases—namely financial literacy (FL), overconfidence (OC), and risk tolerance (RT)—and Bitcoin investment decisions among Generation Z in Indonesia, using the Tokocrypto and Indodax platforms. Employing a quantitative approach with a survey of 360 active Generation Z investors, data were analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS). The findings indicate that financial literacy, risk tolerance, PU, and PEOU have a direct positive and significant effect on Bitcoin investment decisions. Overconfidence, however, showed no significant direct effect. Furthermore, PU and PEOU partially mediated the relationships between financial literacy and investment decisions, as well as between risk tolerance and investment decisions. Notably, PEOU emerged as the strongest mediating pathway, particularly for risk tolerance. Conversely, neither PU nor PEOU mediated the relationship between overconfidence and investment decisions. This research contributes theoretically by integrating Behavioral Finance theory with the Technology Acceptance Model (TAM) in the context of high-risk digital assets. Practically, it offers insights for platform developers to enhance user experience and design targeted financial education, and for regulators to formulate behaviorally-informed investor protection policies.
Co-Authors Afwa, Intan Lailya Agung, Anak Agung Gde Ahmad, Mokhtarrudin Akbar, Subhan Syariifi Aldi Akbar Alma, Artanti Anak Agung Gde Agung Anita Silvianita Arditia, Al-Fath Duta Arif Kuswanto Arlin Ferlina Moch. Trenggana Arry Widodo Astadi Pangarso Astrio, Alfandi Ati Mustikasari Aulia Nur Indah Permatasari Aura Gista Irgina Putri Avinda, Ika Nur Azati Hanani Imania Azizah, Zaskia Nur Bachruddin Saleh Luturlean Balqis Jabbarin Fidary Budi Rustandi Kartawinata Candra Wijayangka Cut Irna Setiawati Danutama, Ferdiansyah Deandrie Ramadhanti Debyanto, Arsyi Auliaramadhan Deden Witarsyah Dematria Pringgabayu Devie Ryana Suchendra Dewi K. Soedarsono Dewi K. Soedarsono Deza , Saffana Khalisha Dicky Hariyadi Erikson Didit Endriawan Difa Mela Ardelia Donny Trihandono Dynda Nazwa Prameizuari Eka Purwanda Elfarida Waty, Virgine Untari Elsavira Nandya Fadh Hottob, Ahmad Sulthon Faqih Hamami Fatharani, Aurelia Putri Fauzan Aziz Fauzia Rahayu Fauzia Rahayu, Fauzia Gita Indah Hapsari Gugun Sodik Hadi, Muhammad Ismail Hanung Tyas Saksono Harrie Lutfie Heru Nugroho Ida Jalilah Fitria Iksyanti, Dinda Zieza Imanuddin Hasbi Indah Br Simamora Ismawati Kristina Sisilia Leni Cahyani Mahir Pradana Mangsor, Miza Maulana, Anton Timur Mayori, Cyndi Miranda, Erma Amelia Muhammad Yahya Arwiyah Muhammer Zidane Varenzah Mutiara Dian Azzahra Nadya Novandriani Karina Moeliono Nadya Novandriani Karina Mulyono Nandya, Elsavira Nellyaningsih Novarianty, Terisha Andra Nuslih Jamiat Oktaviani, Prima Kusuma Oscario, Jeremy Pasaribu, Samuel Sahat Maruli Patrick Adolf Telnoni Perdana, Intizar Putra Permatasari, Aulia Nur Indah Pramitha Aulia Pratiwi, Nabila Pratiwi, Oktaria Nurul Purwandari, Icha Sofia Putri Dana Yanti Putri Maharani PUTRI WULANDARI Putu Nina Madiawati Raden Muhamad Raihan Fathurahman Rahmat Hidayat Ratna Gema Maulida Razali, Raja Razana Raja Rennyta Yusiana Retno Setyorini Rini Handayani Rizza Indah Mega Mandasari Robbi Hendriyanto Rohmat Saragih Sampurno Wibowo Samuel Sahat Maruli Pasaribu Sanoyo, Ario Menak Saragih, Kevin Anderson Saragih, Romat Sastra Jendra hayu Ningrat Sherly Artadita Siburian, Rafles Sihotang, Yetti Ekklesya Silvi Amisha Putri Sita Deliyana Firmialy Sita Deliyana Firmiarly Siti Hazar Rezekimuli Sujak, Aznul Fazrin bin Abu Sujana, Futuwwah Intan Suryana R Achmad Syahrul Daffa, Mohammad Syarifuddin Syarifuddin Taufan Umbara Uruqul Nadhif Dzakiy Utomo, Tasya Yesica Utomo1, Wahyu Aditya Wardani Muhamad Widi Meliyati Wijayanto, Yoga Willy Yulia Nur Hasanah Zahid, Azham