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BAHRUDI EFENDI DAMANIK
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Journal : Jurnal Ilmiah Research Student

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MINAT MAHASISWA MENGGUNAKAN FINTECH DI ERA INKLUSI KEUANGAN Aurellia, Icha; Ahda Aura Azani; Dwi Natasyah Putri; Fitra Sonia; Muhammad Ilmi Kautsar; Wanda Pratiwi; Bahrudi Efendi Damanik
JURNAL ILMIAH RESEARCH STUDENT Vol. 2 No. 2 (2025): September
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jirs.v2i2.4702

Abstract

This study aims to analyze the level of student interest in using financial technology (fintech) services in the era of financial inclusion. Using a descriptive quantitative approach, data were collected through an online questionnaire from 100 university students in Pematangsiantar. The findings show that the majority of respondents perceive fintech applications as easy to use, offering fast and practical transactions with user-friendly interfaces. Security is considered relatively good, although concerns about potential fraud still exist. In addition, peer influence and social media play a significant role in encouraging students' interest in using fintech services. The three dominant factors influencing interest are ease of use, perceived security, and social influence. These findings indicate that fintech has become a preferred financial solution among the younger generation, in line with the growing trend of financial inclusion in Indonesia. This study recommends enhancing digital financial literacy to help students better understand both the benefits and risks of fintech, thereby supporting more inclusive and sustainable financial development.
Co-Authors Adelia Rohima Agum Faza Al Fatta Ahda Aura Azani Ahmad Aulia Habib Sani Aldo Firmansyah Ananda Sheila Ananta Zelika Anggun Febiola Simbolon Anisa Tamara Apriliyanda Mahardiksa Aura Iqlima Putri Aurellia, Icha Bayu Dharma Trinanda Calvin Montoya Deni Ardianzah Deski Nurahayu Dhea Aningthia Dhea Aprilila, Dinda Alloyna Surbakti Dita Agnes Tamba Diva Nazila Dwi Alfiani Siregar Dwi Natasyah Putri Dwi Nizia Saragih Efti Sara br Haloho Eni Nurchani Manihuruk Eva Sortariani Situmorang Fachdimas Al Rizky Fahri Abdillah Fahriza Aulia Fani Safira Farhan Khairul Ramadan Farhan Rizantha Siahaan Fathiya Azrina Fatma Sari Dewi Femy Ines Audi Firma Amelia Hutahaean Fitra Sonia Fitri Diah Karina Fitri Rizki Fitria Hanifah Gading Armatadipura Ginting, Naufal Azmi Gisca Vioretta Manullang Habib Naufal Hanyfah Naila Saragih Ijonhot Sepri Darma Saragih Garingging Ika Okta Kirana Indah Dwi Mardia Indriyani Syahfitri Intan Sari Dewi Irawan Thamrin Irwan Syahputra Jhondes Akleju Sitorus Jimmi Kurnia Aryazona4 Johannes Jovanda Hutapea Kaka Udayana Lubis Ketrin Putri Anjelina Simaremare Kirana, Sasy M. Daffa Boja Saragih M. Farhan Billyahsan Magdalena Pangaribuan Maghfiroh, Wahidah Marsinta Dongan Situmorang Marwa Rahma Dona Meily Sawitri Mhd Faza Suwardana Mikael Napitupulu Muflih Al – Faqih Muhammad Afdhal Aldafa MUHAMMAD ILHAM Muhammad Ilmi Kautsar Muhammad Izaz Daffa Alkindi Muhammad Mujahid Al Islamy Muhammad Ramadhan Syahputra Muhammad Rifky Aziz Nabila Khairunnisa Nadya Al Faiza Naila Ramadani Naila Zulfa Siregar Nasywa Al dzakira Novia Juniarta Purba Novri Azzahra Batubara Nurul Aini Batubara Nurul Aini Bilqisthi Ritonga Piterven Leonardo Manurung Prestisya, Yunisha Erin Randi Rifqi Fadhil Rani Nababan Realita Sumindah Pandiangan Ridha Afdilla Ridha Astuti Risdo Novita Naipospos Rizky Mahawa Ditra Rizky Pratama Ginting Romauli Nainggolan Saffira Izzati Sahrani Febrianti Batubara Serlyn Pebrina Nababan Siskya Pratiwi Siti Nur Khodiah Siti Nurul Aini Rangkuti Siti Sahriza Sri Mulyati Stivani Kayla Purba Susiani Susiani Syalwa Nabila Putri Taniah Nathalia Simanjuntak Tiovany A. Siregar Tyfany Maynurizki Vica Natal Gabriella Siahaan Vita Bella Melati Sukma Aritonang Wahidah Maghfiroh Wanda Pratiwi Wendi Sialagan Widya Febriannisa Zahra Zainyta Zendrato, Khoriatul Sadrina Zuhri Yassa Nabila