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All Journal Media Ekonomi dan Manajemen Serat Acitya Indonesian Journal of Business and Entrepreneurship (IJBE) Jurnal Penelitian Ekonomi dan Bisnis Jurnal Ilmiah Dinamika Ekonomi dan Bisnis Jurnal Pengabdian kepada Masyarakat Berajah Journal Annals of Human Resource Management Research Jurnal Suara Pengabdian 45 Jurnal Riset sosial humaniora, dan Pendidikan (Soshumdik) SWARNA Optimal: Jurnal Ekonomi dan Manajemen Jurnal Ekonomi Manajemen Akuntansi Jurnal Manuhara: Pusat Penelitian Ilmu Manajemen Dan Bisnis Fokus Abdimas Untag Business and Accounting Review Serat Acitya Indonesian Journal of Community Empowerment Transformasi Masyarakat : Jurnal Inovasi Sosial dan Pengabdian Jurnal Ilmiah Ekonomi, Akuntansi dan Pajak
Janti Soegiastuti
Universitas 17 Agustus 1945 Semarang
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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Journal : Annals of Human Resource Management Research

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Enhancing employee financial capability via super-apps: A case study in Semarang Suyati, Sri; Nurchayati, Nurchayati; Soegiastuti, Janti
Annals of Human Resource Management Research Vol. 5 No. 4 (2025): December
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/ahrmr.v5i4.3301

Abstract

Purpose: Digital transformation has driven the development of technology-based financial services, including super-apps that integrate various services in one platform. This study aims to analyze the effect of super-apps usage and digital literacy on people's financial behavior, with financial inclusion as a mediating variable. Research Methodology: This study uses a quantitative approach with the Partial Least Squares–Structural Equation Modeling (PLS-SEM) analysis technique. Respondents were 194 people from Semarang City who were active users of super-apps services. Results: The results of the study show that the use of super-apps and digital literacy have a positive effect on financial behavior, both directly and indirectly through financial inclusion. Digital literacy is proven to have the strongest influence on financial inclusion, which then significantly mediates the relationship between digital literacy and financial behavior. Meanwhile, the indirect effect of super-apps usage on financial behavior through financial inclusion is relatively small. Conclusions: These findings emphasize the importance of increasing digital literacy to encourage broader financial inclusion and wiser financial behavior. Limitations: This study is limited to a sample of 194 respondents in Semarang, so the findings cannot be widely generalized. The use of self-report questionnaires may introduce bias. The variables examined are still limited, and the cross-sectional design cannot explain causal relationships. In addition, the study does not differentiate types of super-apps and does not consider structural factors such as income and digital infrastructure. Contribution: May consider adding variables such as trust in fintech, personal financial efficacy, or digital security risks.
Co-Authors , Muchayatin Aditya Ramadhaniar El Islamy Agung Wibowo Agung Wibowo Agus Setyono, David Aji Nugroho Alvianita, Devi Amsar Amsar Amsar, Amsar Andalan Tri Ratnawati Atika Mutiarachim Caecilia Sri Haryanti Camilus Isidorus Ema Nurhayati Faizah, Isti Fika Ulfa Widowati Heru Eko Prasetyo Jaluanto Sunu Punjul Tyoso Jaluanto Sunu Punjul Tyoso Joko Riyanto Karsiati Khamimah Khamimah Khusnalibah Khusnalibah Lisa Erfi Yunita Maliki Aji Prakoso Nur Atika Yuniarti Nur Fadilla Nurchayati Nurchayati Purnomo, Gunawan Setio Ratnawati Dwi Putranti Honorata Rr. Suprantiningrum Rr. Supratiningrum Siti Aminah Sri Haryanti Sri Puji Lestari Sunu Punjul Tyoso, Jaluanto Suparmi Suparmi Suroto Suroto Tasya, Putri Innas Tri Anggraeni Tri Widayati Widowati, Fika Ulfa