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All Journal ETIKONOMI Economic Journal of Emerging Markets MATRIK: JURNAL MANAJEMEN, STRATEGI BISNIS, DAN KEWIRAUSAHAAN Jurnal Bisnis dan Manajemen Jurnal Keuangan dan Perbankan E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis JDM (Jurnal Dinamika Manajemen) Jurnal Ekonomi Modernisasi Jurnal Promosi Pendidikan Ekonomi Jurnal Manajemen Teori dan Terapan Jurnal Dimensi Jurnal Mirai Management Jurnal Ilmiah Ekonomi Islam Jurnal Ekonomi Pembangunan STIE Muhammadiyah Palopo JURNAL DINAMIKA MANAJEMEN DAN BISNIS Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen Eklektik : Jurnal Pendidikan Ekonomi dan Kewirausahaan SEIKO : Journal of Management & Business NUSANTARA : Jurnal Ilmu Pengetahuan Sosial At-Tadbir : jurnal ilmiah manajemen Sketsa Bisnis JIMFE (Jurnal Ilmiah Manajemen Fakultas Ekonomi) EQIEN - JURNAL EKONOMI DAN BISNIS Jurnal Manajemen Strategi dan Aplikasi Bisnis Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JABE (Journal of Applied Business and Economic) Jambura Equilibrium Journal JURNAL MAKRO MANAJEMEN Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship Almana : Jurnal Manajemen dan Bisnis EKUITAS (Jurnal Ekonomi dan Keuangan) Jurnal Manajerial JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) EVOLUSI : Jurnal Sains dan Manajemen Jurnal Ilmu Komputer dan Bisnis International Journal of Financial, Accounting, and Management International Journal of Economics, Business and Accounting Research (IJEBAR) Journal of Global Business and Management Review Prosiding National Conference for Community Service Project Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Riset Akuntansi Kontemporer Journal of Management - Small and Medium Enterprises (SME's) Jurnal Pengabdian kepada Masyarakat Nusantara Economics and Digital Business Review Studi Ilmu Manajemen dan Organisasi juremi: jurnal riset ekonomi Golden Ratio of Finance Management JAMBURA: JURNAL ILMIAH MANAJEMEN DAN BISNIS JWM (JURNAL WAWASAN MANAJEMEN) Media Bina Ilmiah Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Sosial dan Sains Jurnal For Management Student (JFMS) Jurnal Dinamika Akuntansi dan Bisnis (JDAB) Mestaka: Jurnal Pengabdian Kepada Masyarakat Moneter : Jurnal Keuangan dan Perbankan MDP Student Conference Conference on Management, Business, Innovation, Education and Social Sciences (CoMBInES) Conference on Community Engagement Project (Concept) Jurnal Ilmiah Manajemen Ekonomi Dan Akuntansi (JIMEA) Jurnal Manajemen dan Pendidikan Agama Islam Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) Dinamika Sosial: Jurnal Pengabdian Masyarakat Dan Transformasi Kesejahteraan Ulil Albab Jurnal Ilmu Manajemen Matrik: Jurnal Manajemen, Strategi Bisnis, Dan Kewirausahaan
Hesniati, Hesniati
Universitas Internasional Batam
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Journal : MDP Student Conference

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Effects of Expected Future Financial Security and Digital Knowledge on Fintech Behavior Hesniati, Hesniati; -, Candy; Marsono, Edy; Febrian, Andhie; Zainudin, Dimas; -, Jefry
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.v5i1.15271

Abstract

The rapid development of financial technology has significantly transformed how individual manage and engage with financial activities. Although fintech enhances financial inclusion and efficiency, its accessibility also introduces challenges, including financial stress, gaps in digital knowledge, and low levels of expected future financial security. In the Indonesian fintech context, this study examines the effects of expected future financial security and digital knowledge on individuals’ financial behavior, while assessing the mediating role of financial stress. The study employs a quantitative research design using a survey method targeting productive-age individuals’ who use fintech services. Data analysis is conducted using Partial Least Squares Structural Equation Modeling to evaluate both direct and indirect relationships among the variables. The findings are expected to contribute theoretically by integrating psychological into financial behavior research, and practically by providing insights for policymakers and fintech providers to develop strategies that improve financial literacy in the digital era.
Digital Financial Literacy dan Bias Status Quo, dan Penggunaan Fintech pada Generasi Z Candy, Candy; Hesniati, Hesniati; Sabila, Chen Chen Aprilia; Apriliah, Lila; 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.
Co-Authors -, Candy -, Jefry Agustin, Conny agustin, isnaini nuzula Agustin, Isnaini Nuzulla Airin Triyana Albert Lee Albert Lee Alexander Janio Wijaya Alvin Alvin Alya Sari Andre Steven Andre Steven Hutagaol Andreas Yoshiro Ogawa Andrew Andrew Andrew Andrew, Andrew Andryanto Andryanto Angel Lim, Michelle Angela Angela Angelina Alicia Angelina Valensia Angelina, Winna Angeline Aurellia Angeline Aurellia Angeline Goh Anggriani, A. Apriliah, Lila Arviano, Hengky Arvin Clarence Aurellia, Angeline Ayu Fauzia Rahmah Bella Oktavia Maryto Benny Benny Candra, Tony Candy Candy Carol, Carol Cedrich Zakhariah Celine Kho Celine Kho Cerina Cerina Chris Topher Chuadra, Wiriya Dharma Cindy Aulia Putri Cindy Fransiska Cindy Valentina Cing Mei Conny Agustin Cuandra, Fendy Dedy Delfina Delfina Deni Ariadi Desi Mulyati Devin Devin Devin Devin Diarti, Yen Diavika Febriyanti Doni Indrianto Eddy Oktarianto Eddy Oktarianto Elaine Elida, Shelly Ellen Ellen Ellen Ellen Erick Erick Erick Erick Erlen Erlen Erlen, Erlen Erliani Erliani Estina Sativa Evita Kordinata Febrian, Andhie Fernado Fernado Fernando Fernando, Fernando Feronika Romadoni, Salsabilah Fifyanty, Fifyanty Fionna Quinn Firman Adiyasa Florentina Jasmine Ghinanda Nasywa Grace Geovanni Gusfandi Gusfandi Hadi Nanto Hafidatul Husna Hardy Winata Lie Hariyani Ningsih Harsono Harsono Hartono, Benedicte Hartono, Cindy Hendry Setiawan Hendy Hendy Henliyanto Henliyanto Herman Herman Hery Haryanto Ilianto Tri Sagianto Irvin Irvin Isnaini Isnaini Isnaini Ivander Lukito Ivander Luktio Jacelyin Jacelyin Jasmine, Florentina Jeanette Andhini Nurulia Mashita Jeffrey ., Jeffrey Jenny Jenny Jenny Jenny Jenny, Jenny Jerly Engelina Jeslin Jeslin Jessica Angelina Jessica Novia Jessica Novia Jessica Valeria Jessy Jessy Jhony Budiman Jocelyn Jocelyn Joey Joey Joey, Joey Johny Budiman Jolin, Jolin Jovianto Jovianto Joycelin, Joycelin Julianto Julianto Junita Junita Kelly Kelly Kelly Kelly Kelvin Kelvin Kelvin Kelvin Kelvin Kelvin Kelvin Kwek Kendri Setiawan Kendy Setiawan Hartono Keyi Sylvia Tania Keyi Sylvia Tania Kho, Celine Koo, Felicia Kristina Kristina Krisyadi, Robby Lady, Lady Laurentcia Longli Lia Trinanda Lie, Kelvin Lim, Cecilia Limgestu, Rico Lina Lina Lina Lina Lindawati Lindawati Lindawati Lindawati Lovis Vernando Lydia Sasmita M. Rifqi Taufiqurahman Mahendra, Rizky Adi Mairoza Mairoza Mairoza Maitri, Badra Marheni, Dewi Khornida Mariska Ramadana Marsono, Edy Marzelina Sintia Putri Mega Fatimah Rosana Meilan Sri Despitra Merinda Wijaya Michael Setiawan Michael Setiawan Michelle Angel Lim Michelle Angel Lim MIFTAHUL JANNAH Mirza Salman Pahlavi Muhammad Taufik Nainggolan, Ferdinand Nheza Aulia Putri Nopry Nopry Novi Aprillia Novilia Novilia Novilia Novilia, Novilia Oktarianto, Eddy Owen Owen Perawati Peter Khosasih Phangestu, Steffany Jessica Putri Ernisa Putri, Shieny Tan Rahma Gustina Putri Ramadani, Arienda Gitty Ramadhani Adinda Salsabila Ramadhani Adinda Salsabilla Rano Ardiansyah Reni Febriani Renndy Ferdianto Ria Hartoko Richard Richard Ricky Wijaya Rico Lim Gestu Rico Limgestu Robin Robin Robin Robin, Robin Romie Jhonnerie Romieo Romieo Rudiyanto Rudiyanto, Rudiyanto Sabila, Chen Chen Aprilia Safitri, Destiana Santi Santi Santi Santi Saw liong Selen Angelina Sepbianto Sepbianto Serena Phang Serly, Serly Sherlyn, Sherlyn Sherry Sherry Shieny Tan Putri Shirley Feblicia Sisca, Veni siti rodiah Soecipto Soecipto Solly Aryza Sonata, Vina Sonata, Vivi Stefani, Christine Stephanie Stephanie Steven Steven Steven Steven Suci Syafitry Suprapto, Yandi Susanti Susanti Suwandi Suwandi Tan, Selty Teddy Ricardo Toh Meng Loo Valentina, Cindy Veni Sisca Verandi, Rizal Vernando, Lovis Verren Calystania Vian Ervina Viandi Agustinus Vincent Vincent Vincent Vincent, Vincent Vira Vira Vivi Sonata Viviani Viviani Viviani, Viviani Vivyanti, Vivyanti Wendy Winardy, Jeffri Wira Ramashar Wirren Chang Wismanto Wismanto Wisnu Yuwono Yandi Suprapto Yandi Suprapto Yopie Hendra Yulfiswandi, Yulfiswandi Yulianti Yulianti Zainudin, Dimas Zulfiniar Nur Kalimah