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All Journal KEUNIS Ekonis : Jurnal Ekonomi dan Bisnis Jurnal Vokasi Jurnal Bina Akuntansi International Journal of Social Service and Research Jurnal Riset Hukum, Ekonomi Islam, ekonomi, Manajemen dan Akuntansi AT-TIJARAH: Journal Islamic Banking and Finance Research Journal Serambi Engineering (JSE)
Nurmila Dewi
Politeknik Negeri Lhokseumawe
Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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How Does Financial Inclusion Mediate the Impact of Fintech Usage on Consumer Behavior? Nurmila Dewi; Rasyidusman Hannamara Furqan
KEUNIS Vol. 13 No. 2 (2025): JULY 2025
Publisher : Finance and Banking Program, Accounting Department, Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32497/keunis.v13i2.6423

Abstract

This study explores the impact of financial technology (fintech) adoption on financial inclusion, its influence on consumer behavior, and the mediating role of financial inclusion. Employing a quantitative approach through structural equation modeling, data were collected via surveys to examine both direct and indirect relationships among the variables. The results indicate that fintech usage plays a key role in enhancing financial inclusion. In turn, financial inclusion contributes significantly to shaping consumer behavior. However, the direct influence of fintech usage on consumer behavior is moderate and statistically inconclusive. The findings confirm that financial inclusion mediates the relationship between fintech usage and consumer behavior, supporting greater financial access and fostering new financial habits. The study concludes that financial inclusion is essential in translating fintech adoption into meaningful behavioral shifts, underscoring the importance of broader financial access initiatives to fully realize the potential of fintech.
Co-Authors ., Hilmi Busra Busra Cahyani, Dwi Indri cut ridha zarina Dasmi Husin, Dasmi Elvina Elvina Hilmi Hilmi Hilmi Hilmi Irawati, Chintia Julian Atika, Nisya Lianti Lianti Muhammad Nasir Muhammad Reza Zulman Muhammad Yusuf Mukhlisul Mujahid Radhiyatammardhiyyah Rahmatul Husna, Rahmatul Rahmi Raihan Raihan, Rahmi Rasyidusman Hannamara Furqan Rusydi Rusydi Salahuddin Salahuddin Syarifudin Syarifudin Wijaya, Ismed Yetti Tri Putri Yetty Tri Putri yulianisah yulianisah Zusma Widawaty