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All Journal MATRIK: JURNAL MANAJEMEN, STRATEGI BISNIS, DAN KEWIRAUSAHAAN e-CliniC Jurnal Bisnis dan Manajemen Jurnal Keuangan dan Perbankan Assets : Jurnal Ekonomi, Manajemen dan Akuntansi Jurnal Manajemen Atma Jaya Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal PROSIDING SEMINAR NASIONAL CENDEKIAWAN Jurnal Manajemen & Keuangan Widya Cipta : Jurnal Sekretari dan Manajemen Equilibrium: Jurnal Ilmiah Ekonomi, Manajemen dan Akuntansi Jurnal Riset Akuntansi dan Keuangan Jurnal Inovasi Bisnis (Inovbiz) Jurnal Organisasi Dan Manajemen Distribusi SEIKO : Journal of Management & Business Owner : Riset dan Jurnal Akuntansi At-Tadbir : jurnal ilmiah manajemen Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Jurdimas (Jurnal Pengabdian Kepada Masyarakat) Royal YUME : Journal of Management Almana : Jurnal Manajemen dan Bisnis International Journal of Applied Business Research Referensi : Jurnal Ilmu Manajemen dan Akuntansi EKUITAS (Jurnal Ekonomi dan Keuangan) Ekonomi dan Bisnis JURNAL ILMIAH BISNIS, PASAR MODAL DAN UMKM MABIS: Manajemen dan Bisnis Jemasi Jurnal Ekonomi Manajemen dan Akuntansi Jurnal Administrasi dan Manajemen Business Innovation and Entrepreneurship Journal Jurnal Ilmiah Poli Bisnis JURNAL MANAJEMEN MANAJEMEN DEWANTARA International Journal of Economics, Business and Accounting Research (IJEBAR) Performance : Jurnal Bisnis dan Akuntansi Dialektika: Jurnal Ekonomi dan Ilmu Sosial Business Management Journal Program Studi Manajemen Journal of Global Business and Management Review Prosiding National Conference for Community Service Project JURNAL AKUNTANSI KEUANGAN DAN MANAJEMEN Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Inovasi Ekonomi BERNAS: Jurnal Pengabdian Kepada Masyarakat Jurnal Pengabdian kepada Masyarakat Nusantara Economics and Digital Business Review Annals of Management and Organization Research Journal of Judicial Review Medical Scope Journal (MSJ) Jurnal Ekonomi Efektif Studi Ilmu Manajemen dan Organisasi Jurnal Akuntansi dan Keuangan (JAK) Asian Management and Business Review Implementasi Manajemen & Kewirausahaan Jurnal Ilmu Manajemen Advantage Jurnal Manajemen Jurnal Ilmiah Manajemen dan Kewirausahaan JWM (JURNAL WAWASAN MANAJEMEN) SWARNA Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Journal of Business Studies and Management Review Jurnal Manajemen USNI Jurnal For Management Student (JFMS) Jurnal Indonesia Sosial Teknologi PERMANA : Jurnal Perpajakan, Manajemen, dan Akuntansi Jurnal Nusantara Berbakti MDP Student Conference Jurnal Keuangan dan Bisnis Conference on Management, Business, Innovation, Education and Social Sciences (CoMBInES) Conference on Community Engagement Project (Concept) GEMBIRA (Pengabdian Kepada Masyarakat) Mengabdi: Jurnal Hasil Kegiatan Bersama Masyarakat SWARNA: Jurnal Pengabdian Kepada Masyarakat Karya Nyata: Jurnal Pengabdian Kepada Masyarakat Pemberdayaan Masyarakat: Jurnal Aksi Sosial Alamtana Jurnal Manajemen Maranatha Jurnal Ilmiah Manajemen Dan Kewirausahaan Jurnal Ilmu Manajemen Matrik: Jurnal Manajemen, Strategi Bisnis, Dan Kewirausahaan
Candy, Candy
Universitas Internasional Batam
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Journal : MDP Student Conference

 1 
Digital Financial Literacy dan Bias Status Quo, dan Penggunaan Fintech pada Generasi Z Candy Candy; Hesniati Hesniati; Chen Chen Aprilia Sabila; Lila Apriliah; Sherlyn Sherlyn
MDP Student Conference Vol 5 No 1 (2026): The 5th MDP Student Conference 2026
Publisher : Universitas Multi Data Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35957/mdp-sc.v5i1.15333

Abstract

Fokus dalam penelitian ini yaitu menganalisis bagaimana pengaruh digital financial literacy dan value of status quo terhadap use behavior dimediasi oleh behavioral intention in fintech pada Generasi Z. Hal ini dikarenakan kesenjangan literasi keuangan digital yang tidak sejalan dengan pertumbuhan akses inklusi keuangan. Data penelitian diperoleh melalui penyebaran kuesioner terhadap 262 responden Generasi Z. Teori yang digunakan pada penelitian yaitu Theory Planned Behavior. Model penelitian di analisis menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM) dengan perangkat lunak SmartPLS 4.0. Penelitian ini menunjukkan bahwa digital financial literacy berpengaruh signifikan positif terhadap behavior intention in fintech dan use behavior, lalu value of status quo berpengaruh signifikan positif terhadap behavior intention in fintech dan use behavior. Selain itu, behavior intention in fintech sebagai variabel yang memediasi antara kedua variabel independen dengan variabel use behavior memiliki pengaruh positif yang signifikan.
Money Management, Financial Security, dan Financial Behavior: Peran Mediasi Financial Stress Candy Candy; Johny Budiman; Kristine Gladis Feby; Deandra Emilya Putri; Cheisya Nabilah; Fathir Suria Marika Putri; Tasha Rahmatika
MDP Student Conference Vol 5 No 1 (2026): The 5th MDP Student Conference 2026
Publisher : Universitas Multi Data Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35957/mdp-sc.v5i1.15334

Abstract

This study aims to analyze the effect of current money management stress and expected future financial security on financial behavior, with financial stress as a mediating variable among individuals of productive age in Indonesia. This study adopts a quantitative approach using a survey method through the distribution of online questionnaires to respondents aged 17–64 years. The sampling technique applied is non-probability sampling using the convenience sampling method. Data were analyzed using structural equation modeling based on partial least squares with the assistance of SmartPLS software. The findings indicate that current money management stress has a significant effect on financial stress and financial behavior, while expected future financial security significantly affects financial behavior. However, financial stress is not found to mediate the relationship between independent variables and financial behavior.
Digital Financial Literacy, Behavioral Intention, and Financial Inclusion Johny Budiman; Candy Candy; Amelia Andita; Errina Ati; Dhamma Vicaya Putri; Larventy Larventy; Michelle Nataline Tu
MDP Student Conference Vol 5 No 1 (2026): The 5th MDP Student Conference 2026
Publisher : Universitas Multi Data Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35957/mdp-sc.v5i1.15537

Abstract

This study examines the effects of Digital Financial Literacy (DFL) and Mobile Perceived Financial Cost (MPFC) on Digital Financial Inclusion (DFI), with Behavioral Intention (BI) and Use behavior (UB) as mediating variables. Using a quantitative approach, data were collected from 203 mobile fintech users in Batam City and analyzed with PLS-SEM. The results show that DFL has a positive and significant effect on BI, which subsequently influences UB and enhances DFI. BI and UB act as mediating variables, while MPFC has no significant effect on fintech usage. These findings emphasize the importance of digital financial literacy in promoting digital financial inclusion.
Fintech Adoption Behavior Among University Students Johny Budiman; Candy Candy; Della Febrianti; Herisna Rahmadani; Dinda Rafika Syahputri; Anastassia Joan Liu
MDP Student Conference Vol 5 No 1 (2026): The 5th MDP Student Conference 2026
Publisher : Universitas Multi Data Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35957/mdp-sc.v5i1.15541

Abstract

This study aims to analyze the effects of perceived usefulness, government support, and digital financial literacy on behavioral intention and use behavior in the use of Financial Technology (FinTech) services among university students. Data were collected through a questionnaire from 214 student respondents and analyzed using the PLS-SEM method. The results indicate that perceived usefulness and digital financial literacy have a positive and significant effect on behavioral intention and use behavior, while government support has no significant effect, either directly or indirectly. Furthermore, behavioral intention is proven to mediate the effects of perceived usefulness and digital financial literacy on use behavior, but it does not mediate the effect of government support. These findings suggest that perceived usefulness and digital financial literacy are the main factors driving students’ use of FinTech services.
Co-Authors Ade Agustika Br Surbakti agustin, isnaini nuzula Albert Lee Alex Alex Alex Alex Aliandrina, Dessy Alice Alice Alice Alice Alzi Amelia Andita Anastassia Joan Liu Andre Steven Hutagaol Andrew Andrew Andryanto Andryanto Angelina Goh Angelina Valensia Angeline Aurellia Anton Winardy Apriyadi, Riki Brahmantya Chriswardhana Cahyani, Isty Rosy Calvina Hartanto Calystania, Verren Chandra Wijaya Cheisya Nabilah Chen Chen Aprilia Sabila Cheristina, Cheristina Chrysti, Angelica Vivian Cindy Fransiska Cuandra, Fendy Dastin Dastin Dastin Dastin, Dastin Deandra Emilya Putri Delfina Delfina Delfina, Delfina Della Febrianti Dhamma Vicaya Putri Dhifira Annisa Widyasari Dinda Rafika Syahputri Eddy Oktarianto Elfan Wahyu Mulyana Eliya, Sartika Erick Erick Ernestine, Ernestine Errina Ati Estina Sativa Evelyn Loo Fathir Suria Marika Putri Feronika Romadoni, Salsabilah Freddy Freddy Goh, Angelina Hansen Can Harsali F. Lampus Hendru Hendru Hendru, Hendru Herisna Rahmadani Hery Haryanto Hesniati, Hesniati Indra Novita Isty Rosy Cahyani Isty Rosy Cahyani Ivander Lukito Jacelyin Jacelyin Jenny Jenny Jeslin Jeslin Jessica Novia Jessica Novia Jessica Valeria Jesslyn Jesslyn, Jesslyn Jimmy Tjong Joey Joey Jofia, Nurul Johny Budiman Jolin, Jolin Jones, Ivan Joycelin Joycelin Joycelin, Joycelin Julia Rahayu Putri Julia Renaldi, Angelina Junestin Junestin Junita Junita Junita Junita Junita Junita Justyanita Justyanita Kellen Vincent Kelvin Kelvin Kelvin Kelvin Kelvin Kwek Keyi Sylvia Tania Kristiani Kristiani Kristina Kristina Kristine Gladis Feby Krisyadi, Robby Lady, Lady Larventy Larventy Lay, Sevvie Prissy Lena Sepriani Lena Sepriani Leo Rendy Liana, Jumi Licca, Vellia Lie, Kelvin Lila Apriliah Liu, Michelle Selvia Lu Sudirman Marcelino Marcelino Marheni, Dewi Khornida Mayviana, Vivin Merlin Leona Michael Setiawan Michael Setiawan Michelle Angel Lim Michelle Nataline Tu Michelle Selvia Liu Miftachul Choiri Nainggolan, Ferdinand Ng, Charles Novi Angelina Noviany, Ivana Metta Oscar, Franky Priscillia, Viviona Putri, Shieny Tan Quinn, Fionna Rangan, Andy Rangan, Andy A. Renato, Rio Rio Renato Rizal Verandi Robin Robin Robin Robin Rudyanto Rudyanto Saleh, Denny Salim, Silvia Sandy Putra Saputra, Sabrandi P. Sari, Mentari Indah Selen Angelina Selina Phang Sephia Septiana Shellyna Shellyna Shelvi Shelvi Shelvi, Shelvi Sherlyn Sherlyn Sherry Sherry Sisca, Veni Sorongku, Ronald Soveinia Soveinia Stefhani Susanto Stephanie Stephanie Suprapto, Yandi Suryoprabowo, Vincent Susanto, Stefhani Tan, Ie Ling Tasha Rahmatika Teddy Ong Tony Chandra Verawati Vincent Vincent Vincent, Vincent Vira Vira Vira, Vira Vivian Vivian Welen Welen Wendy Wijaya, Calvin Wilson Wilson Winny Lim Winny Stevania Wisnu Yuwono Wong, Elaine Wynne Lie Yandi Suprapto Yeria, Winny Yodiputra, Jason Yopie, Santi Yudhaputri, Egabetha Amirah Yulfiswandi, Yulfiswandi