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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 Journal of Consumer Science PROSIDING SEMINAR NASIONAL CENDEKIAWAN 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 Jurnal Riset Ekonomi dan Bisnis 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 Ecobisma (Jurnal Ekonomi, Bisnis dan Manajemen) 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 Journal of Judicial Review Jurnal Studia Akuntansi dan Bisnis (The Indonesian Journal of Management & Accounting) 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 Relevansi : Ekonomi, Manajemen dan Bisnis eMBeJi : Manajemen dan Bisnis Jurnal JWM (JURNAL WAWASAN MANAJEMEN) JURNAL ECONOMINA 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 Business, Entrepreneurship, and Management Journal Journal of Business and Information System Jurnal Ilmiah Manajemen Dan Kewirausahaan Jurnal Ilmu Manajemen Matrik: Jurnal Manajemen, Strategi Bisnis, Dan Kewirausahaan
Candy Candy
Universitas Internasional Batam
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Cryptocurrency investment intentions of generation Z Yulfiswandi; Kenrick; Candy
Journal of Business and Information Systems (e-ISSN: 2685-2543) Vol. 8 No. 1 (2026): Journal of Business and Information Systems
Publisher : Department of Accounting, Faculty of Business, Universitas PGRI Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31316/jbis.v8i1.371

Abstract

This study aims to analyze the influence of financial literacy, perceived risk, facilitating conditions, and social influence on behavioral intention, with attitude as a mediating variable. The sample consisted of 430 Generation Z respondents from Batam City, selected via convenience sampling, and the data were analyzed using Structural Equation Modeling (SEM) in SmartPLS. The results showed that financial literacy and social influence had a significant positive effect on attitude, whereas facilitating conditions had a significant positive effect on attitude but not on behavioral intention, and perceived risk did not significantly influence attitude. Attitude was shown to have a strong positive influence on behavioral intention. Financial literacy and social influence also had an indirect effect on behavioral intention through attitude, while perceived risk did not show a significant mediating effect. This study provides insight into the factors that influence behavioral intention and the important role of attitude as a mediating variable
PERBEDAAN NIAT BELI KONSUMEN FAST FASHION BERDASARKAN GENDER DI INDONESIA Aprilia Astuti; Candy Candy; Lady Lady
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 10 No 1 (2026): Edisi Januari - April 2026
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v10i1.7017

Abstract

Penelitian ini dilakukan untuk mengkaji bagaimana brand image, perceived usefulness, perceived service quality, dan perceived value mempengaruhi purchase intention konsumen fast fashion internasional di Indonesia, serta mengeksplorasi perbedaan pengaruh tersebut berdasarkan gender. Konsumen di Indonesia, yang dipengaruhi oleh nilai-nilai budaya lokal, cenderung memiliki persepsi positif terhadap merek yang selaras dengan nilai tersebut sehingga mendorong niat pembelian yang lebih tinggi. Analisis menggunakan PLS-SEM (SmartPLS 3.0) dilakukan terhadap 400 responden pengguna fast fashion di Indonesia. Temuan penelitian mengindikasikan bahwa brand image serta perceived value mempengaruh positif dan signifikan dalam menentukan purchase intention pada semua kelompok responden. Perceived service quality hanya berpengaruh signifikan pada pria, sedangkan perceived usefulness tidak memberikan pengaruh signifikan pada seluruh kelompok. Temuan ini menegaskan bahwa persepsi merek dan nilai produk menjadi elemen krusial yang membentuk kecenderungan konsumen membeli. Selain itu, strategi pemasaran perlu disesuaikan dengan perbedaan gender, khususnya terkait aspek kualitas layanan. Penelitian ini berkontribusi penting terhadap pemahaman perilaku konsumen fast fashion di Indonesia dan pengembangan studi pemasaran lintas gender.
FINANCIAL WELL-BEING IN THE DIGITAL ERA : THE IMPACT OF DIGITAL KNOWLEDGE, FINANCIAL SKILLS AND FINTECH ADOPTION Candy Candy; Vivin Mayviana; Dewi Khornida Marheni
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 10 No 1 (2026): Edisi Januari - April 2026
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v10i1.7274

Abstract

This study looks at how digital knowledge, financial knowledge, and financial skills affect financial well-being. It also considers how using FinTech tools can influence this relationship. The research involved a survey with 400 respondents in Indonesia, and the data was analyzed using a method called Partial Least Squares-Structural Equation Modeling (PLS-SEM) to understand both direct and indirect effects. The findings show that digital knowledge, financial knowledge, and financial skills all have a positive effect on financial well-being, and using FinTech can make these effects even stronger. The mediation analysis shows that using FinTech helps make the connection between these skills and financial well-being stronger by making it easier to access and use financial services. This study adds to existing research by combining digital literacy, financial knowledge, and technology use into one model, giving important insights into how financial well-being is affected during digital changes, especially in poorer countries. The findings imply that policymakers, educators, and FinTech developers should promote financial and digital literacy programs while designing accessible and inclusive financial technologies to foster better financial outcomes for society.
FINANCIAL BEHAVIOR AND FINANCIAL WELL-BEING AMONG WORKING STUDENTS Yandi Suprapto; Fiona Siah; Candy Candy
ECOBISMA (JURNAL EKONOMI, BISNIS DAN MANAJEMEN) Vol 13, No 2 (2026): ECOBISMA
Publisher : Published by the Faculty of Economics and Business, University of Labuhanbatu, North Sumat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/ecobi.v13i2.9263

Abstract

PURPOSE - This study examines the relationships between financial literacy, self-control, financial behavior, financial stress and financial well-being among working university students in Batam City. Prior research has shown inconsistent findings regarding how these variables relate to financial well-being. Specifically, this study investigates both direct and indirect effects through financial behavior as a mediator. This research also aims to identify which factors contribute most significantly to improving the financial well-being of working university students.METHODOLOGY - A quantitative approach with explanatory research was used in this study. Data were collected from 418 working university students in Batam City via an online questionnaire using purposive sampling with a 1-5 Likert scale. Data analysis was conducted using PLS-SEM.FINDING - The results reveal that financial literacy together with self-control shapes financial behavior. However, financial literacy and self-control exert no influence on financial well-being. Financial stress significantly and negatively harms financial well-being, while financial behavior shows no significance in influencing financial well-being. Furthermore, financial behavior fails to mediate the relationship between financial literacy and self-control on financial well-being. These findings suggest that reducing financial stress is more relevant. Therefore, institutions should prioritize reducing financial stress through providing direct support such as scholarships, affordable micro-loans and part-time job programs, rather than focusing solely on financial literacy education.
INVESTIGATING IMPULSIVE BUYING IN THE DIGITAL ERA: THE IMPACT OF LIFESTYLE AND E-WALLET USAGE ON GENERATION Z Yulfiswandi; Slevia; Candy
Jurnal Studia Akuntansi dan Bisnis (The Indonesian Journal of Management & Accounting) Vol 14 No 1 (2026)
Publisher : Universitas La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jsab.v14i1.1709

Abstract

This research seeks to explore how lifestyle choices and the use of e-wallets affect impulsive buying in Generation Z located in Batam City, including how self-control acts as a moderating factor. The research used a quantitative approach involving 264 respondents selected through convenience sampling. Data were collected through online questionnaires and analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The results indicate that lifestyle and e-wallet usage positively affectimpulsive buying. However, self-control was not able to moderate the relationship between lifestyle and e-wallet usage on impulsive buying. In addition, the research model was able to explain 70.6% of the variation in impulsive buying. Overall, impulsive buying among Generation Z is influenced by lifestyle factors, technological convenience, and an individual’s ability to exercise self-control.
Trust, Security, Comfort, and Social Presence Sebagai Prediktor Basic dan Advanced Virtual Agent Usage Intention Candy Candy; Johny Budiman; Ahmad Esa Galang Malino; Darwin Darwin; Frendy Wijaya; Hendra Wijaya; Stewendy Stewendy
MDP Student Conference Vol 5 No 2 (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.v5i2.15264

Abstract

Artificial intelligence (AI) has significantly improved efficiency in financial technology (fintech) services in Indonesia and globally. This study aims to analyze the perceptions of university students in Indonesia regarding the use of financial technology in an era of rapid AI development. In addition, the study examines students’ perspectives on fintech usage in relation to the security of users’ assets. The research employs a questionnaire-based method conducted across Indonesian universities, involving 217 university student respondents. The results indicate that psychological factors influence the intention to use virtual agents differently across basic and advanced digital financial services. Perceived security has a stronger effect on the adoption of virtual agents for routine transactions, whereas perceived convenience plays a key role in encouraging their use for more complex financial services. These findings highlight the importance of tailoring the design of AI-based virtual agents to the level of complexity of the financial services offered.
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 Ahmad Esa Galang Malino Albert Lee Alex Alex Alex Alex Aliandrina, Dessy Alice Alice Alice Alice Alzi Amelia Andita Anastassia Joan Liu Anastassia Joan Liu Andre Steven Hutagaol Andrew Andrew Andryanto Andryanto Angelica Vivian Chrysti Angelina Goh Angelina Valensia Angeline Aurellia Anton Winardy Aprilia Astuti Apriyadi, Riki Badriatul Mawadah Brahmantya Chriswardhana Cahyani, Isty Rosy Calvina Hartanto Calystania, Verren Chandra Wijaya Charles Ng Cheisya Nabilah Chen Chen Aprilia Sabila Cheristina, Cheristina Cindy Fransiska Cuandra, Fendy Darwin Darwin Dastin Dastin Dastin Dastin, Dastin Deandra Emilya Putri Delfina Delfina Delfina, Delfina Della Febrianti Dewi Khornida Marheni Dhamma Vicaya Putri Dhamma Vicaya Putri Dhifira Annisa Widyasari Dina Nur Isnaeni Dinda Rafika Syahputri Doli Jogih Naibaho Eddy Oktarianto Egabetha Amirah Yudhaputri Elfan Wahyu Mulyana Eliya, Sartika Erick Erick Ernestine Ernestine Errina Ati Estina Sativa Evelyn Loo Fathir Suria Marika Putri Feronika Romadoni, Salsabilah Fiona Siah Freddy Freddy Frendy Wijaya Hansen Can Harsali F. Lampus Hendra Wijaya Hendru Hendru Hendru, Hendru Herisna Rahmadani Hery Haryanto Hesniati Hesniati Hesniati, Hesniati Indra Novita Isnaini Nuzula Agustin Isnaini Nuzula Agustin Isty Rosy Cahyani Isty Rosy Cahyani Ivan Jones 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 Johny Budiman Jolin, Jolin 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 Kenrick Keyi Sylvia Tania Kristiani Kristiani Kristina Kristina Kristine Gladis Feby Kristine Gladis Feby Lady Lady Lady Lady Lady, Lady Larventy Larventy Lena Sepriani Lena Sepriani Liana, Jumi Licca, Vellia Lie, Kelvin Lila Apriliah Lim, Rezel Liu, Michelle Selvia Lu Sudirman Marcelino Marcelino Marheni, Dewi Khornida Mawadah, Badriatul Merlin Leona Michael Setiawan Michael Setiawan Michelle Angel Lim Michelle Nataline Tu Michelle Selvia Liu Miftachul Choiri Nainggolan, Ferdinand Novi Angelina Noviany, Ivana Metta Nurika Rama Nasya Oscar, Franky Priscillia, Viviona Quinn, Fionna Renato, Rio Rio Renato Rizal Verandi Robin Robin Robin Robin Rudyanto Rudyanto Salim, Silvia Sandy Putra Saputra, Sabrandi P. Sari, Mentari Indah Selen Angelina Selina Phang Sephia Septiana Sevvie Prissy Lay Shellyna Shellyna Shelvi Shelvi Shelvi Shelvi Sherlyn Sherlyn Sherry Sherry Shieny Tan Putri Sisca, Veni Slevia Soveinia Soveinia Stefhani Susanto Stefhani Susanto Stephanie Stephanie Stewendy Stewendy Suprapto, Yandi Tan, Ie Ling Tasha Rahmatika Teddy Ong Tony Chandra Tony Chandra Vincent Vincent Vincent Vincent Vincent, Vincent Vira Vira Vira, Vira Vivian Vivian Vivin Mayviana Vivin Mayviana Welen Welen Wendy Wendy Wijaya, Calvin Wilson Wilson Winny Lim Winny Stevania Winny Yeria Wisnu Yuwono Wynne Lie Yandi Suprapto Yandi Suprapto Yandi Suprapto Yodiputra, Jason Yopie, Santi Yulfiswandi, Yulfiswandi