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Nurchayati Nurchayati
FEB UNTAG Semarang
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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 Achmad Zainuri Adia Syifa Isnani Adissa Indriana Putri Agung Wibowo Agung Wibowo AGUS WIDODO Alifiya Ufaida Amanda, Nadia Desya Amelia, Ayu Andalan Tri Ratnawati Andre Dwy Prayoga Andreas Saputro Aqila Carinda Naura Arif Mulyanto Arif Mulyanto, Arif Arif Wahyu Setyo Budi Aris Mardiyono Ariyanti, Rini Attar Husna Fathiya Attin Munadhiroh Burhanuddin Burhanuddin Cahyani, Fitnaningsih Endang Cahyono Cahyono CH Astra Nugraha Dayanti, Agustina Diah Dwi Rahmawati Endang Swastuti Fachrama Fachrama Fatmawati, Fatmawati FIRMAN PRIBADI Frans Sudirjo Hafidah, Nur Hafidz Hamidah Yusuf, Abdul Hartono, Rudi Hasyim Hasyim Hendry Sakke Tira, Hendry Sakke Herlina Herlina Hermawan, Andreas Dani Tjoa Heru Eko Prasetyo Hikmah Hikmah I Wayan Joniarta I.B. Alit, I.B. Ida Bagus Gde Gianyar, Ida Bagus Ikut, Camilus Isidorus Imam Gozali Indriawati, Aulia IRA DARMAWANTI Irgi Biantara Irine Putri Nalaria Isnaini Putri Arifin Jamaluddin Majid Janti Soegiastuti Jaro'ah, Siti Joko Riyanto Judijanto, Loso Jumrotun, Jumrotun Juniarto, Galuh Kristanto, Ardhy Kristianingsih, Eni KURNIATAMA, SONYADI KUSUMA WARDANI Kusumawati, Yupie Laurina, Nia Alna Liestyowati Liestyowati Lina Listyawati Lisa Erfi Yunita LISTIANA SRI MULATSIH LITAMAHUPUTTY, JACOMINA VONNY M Syahrul Made Wijana, Made Marianingsih, Ita Merita Arini Moch Zihad Islami Muchayatin Muchayatin Muchayatin, Muchayatin Muhammad Yusron Maulana El-Yunusi Mulastih, Listiana Sri Murfianingsih, Novia Musprihadi, Ribut Mutiarachim, Atika Nugraha, Asta Nur Widawati, Desi Nurajizah Nurajizah Nurpatria Nurpatria, Nurpatria Oxzy Yoga Pratama Pandri Pandiatmi Paramarta, M.Magistra Apta Parju Parju Parju Parju Parju, Parju Pradanawan Febiansyah Nugraha Prasetyo, Heru Eko Pratiwi, Silvi Priyombodo, Bony Purnawarman Purnawarman, Purnawarman Puspitowarno Puspitowarno Rahman, Fitri Aulia Ratna Diyah Ayu Permatasari Ratnawati Dwi Putranti Honorata Rizkina Intan Pandini Rizqiyah, Aulia Rachmah RR. Ella Evrita Hestiandari Rr. Suprantiningrum Rudy Sutanto S.H. Pamuji, S.H. Sadam Husaini SAYIDATIN NASAROH Setyabudi, Setyabudi Setyawati, Selvia Lilis Setyobudi Setyobudi Setyobudi Setyobudi Setyonugroho, Winny Sinarep Sinarep SIPAKOLY, SELLY Siska Yuli Anita Siti Aminah Siti Ulfiyani, Siti Slamet Riyadi Sonia, Eva Sri Puji Lestari Sri Suprapti Sri Suprapti Sukardi Sukardi Sukardi Sukardi Sukirman Sukirman SULISTIYANI SULISTIYANI Sulistyani Sulistyani Suparjo Suparmi Suparmi Suparmi Suparmi Supriyatno, Mega Suroto Suroto Suroto suroto Suteja Suteja, Suteja Suyati - Tariza Aprilia Devianti Tety Aprilla Rismawani Tiara Putri Innayah Tri Widayati Vania Ardelia Warih Andan Puspitosari Widi - Hariyanti Widi Kurniawan Wijayanti, Indah Oktari Wulan Sari, Nova Lailan Wuryantoro, Javier Atallariz Yahya Yahya Yahya, Muhammad Rizky Yasmien, Nurria Yesung Allo Padang Yesung Allo Padang, Yesung Allo Yolandha Raharjo Yunita, Lisa Erfi Zulkarnain, Andre