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All Journal ETIKONOMI MATRIK: JURNAL MANAJEMEN, STRATEGI BISNIS, DAN KEWIRAUSAHAAN Research Report - Social Science Journal of Economics, Business, & Accountancy Ventura Gadjah Mada International Journal of Business JMM17: Jurnal Ilmu Ekonomi dan Manajemen PROFIT : Jurnal Administrasi Bisnis Jurnal Ilmiah Econosains Panrita Abdi - Jurnal Pengabdian pada Masyarakat Jurnal Manajemen & Keuangan Jurnal ASET (Akuntansi Riset) JMM (Jurnal Masyarakat Mandiri) JCES (Journal of Character Education Society) Almana : Jurnal Manajemen dan Bisnis Economics and Finance in Indonesia JIA (Jurnal Ilmiah Akuntansi) Jurnal Muara Ilmu Ekonomi dan Bisnis Kumawula: Jurnal Pengabdian Kepada Masyarakat Valid Jurnal Ilmiah Abdi Dosen : Jurnal Pengabdian Pada Masyarakat Jurnal Manajemen Bisnis dan Kewirausahaan Jurnal ABDINUS : Jurnal Pengabdian Nusantara Inobis: Jurnal Inovasi Bisnis dan Manajemen Indonesia JURPIKAT (Jurnal Pengabdian Kepada Masyarakat) Movere Journal Bina Ekonomi: Majalah Ilmiah Fakultas Ekonomi Universitas Katolik Parahyangan Co-Value : Jurnal Ekonomi, Koperasi & Kewirausahaan Accounting and Finance Studies Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) Jurnal Manajemen Stratejik dan Simulasi Bisnis Journal of Social And Economics Research Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Economic and Finance in Indonesia journal of social and economic research SUBAKTYA, Unpar Community Service Journal E-Jurnal Akuntansi Matrik: Jurnal Manajemen, Strategi Bisnis, Dan Kewirausahaan
Vera Intanie Dewi
Jurusan Manajemen, Fakultas Ekonomi Universitas Katolik Parahyangan, Bandung
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Journal : ETIKONOMI

 1 
Determinants of the Adoption of Digital Finance: Evidence from Indonesia Dewi, Vera Intanie; Debby, Teressia; Dharwiyanti, Sri
ETIKONOMI Vol. 25 No. 1 (2026)
Publisher : Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/etk.v25i1.46612

Abstract

Research Originality: This study offers novelty by analyzing the underexplored influence of customer-perceived value on the intention to use digital finance, and how this relationship is uniquely moderated by digital financial literacy and perceived risk. Research Objective: The research investigates the effect of the customer value proposition on the intention to use digital finance, and whether this relationship is strengthened by digital financial literacy and the perceived risk. Research Method: Using a quantitative explanatory design, the data from 409 Indonesian respondents were analyzed employing PLS-SEM. Empirical Results: The findings indicate that convenience, economic benefits, security, and seamless transactions significantly enhance CPV, which in turn positively affects the intention to use digital finance. DFL strengthens the relationship between CPV and the intention to use digital finance (quasi-moderator), whereas the perceived risk weakens it (pure moderator). Implication: These results imply that strengthening the value propositions, improving people’s digital financial literacy, and mitigating the perceived risk are critical strategies to accelerate the responsible adoption of digital finance in emerging economies. JEL Classification: O33, G20, G53, D14, D91
Co-Authors Abdulhakim, Muhammad Faruq Achmad Faisal, Achmad Achmad Noerkhaerin Putra Agung, Chris Petra Agus Hasan Aldrin Herwany Alverell Panangian Hutagalung Anhar Fauzan Priyono Badaruz Zaman Bernard T. Widjaja Brigita Meylianti Sulungbudi Budiana Gomulia Budiono Budiono Budiono Budiono Catharina Ria Budiningsih, Catharina Ria Cindy Devina Setiawan Debby, Teressia Detti, Regina Dharma Putra Sudjaja Dharma Putra Sundjaja Dharwiyanti, Sri Elaine Vashti Bestari Kustedja Elly Helena Sitorus Elvira Maytasya Simanjuntak Eva Ervani Eva Erviani Felisca O Felisca Oriana Felisca Oriana S Felisca Oriana Surjoko Fernando Mulia Fitri Hastuti Gunawan, Vincent Halim, Budi Tjahja Hartanto, Evan Hasyim, Irsanti Herry Herry Ica Rika Candraningrat Ica Rika Candraningrat Indupurnahayu Inge Barlian Inge Barlian Sundjaja Istiharini . Kesaulya, Feby Astrid Lestari Eva Maryani Lilian Danil Maratno, Sylvia Fettry Elvira Maulida, Karissa Meina Meilinda . Meilinda Meilinda Militcyano Samuel Sapulette Militcyano Samuel Sapulette Muhammad Faruq Abdulhakim Muhammad Rafdi Raihan Pranata Ni Wayan Mujiati Nia Carmila Siringoringo Nike Anabella Nina Septina Novianti, Nurfa Citra Nugroho, Nicolaus Wicaksono Nury Effendi Nyoman Abundanti Pangau, Angelia Christin Parlindungan, Salomon Powell, Karen Arecia Pratama, Yehuda Nino Putri, Gianisa Mentari Putri, Nabilla Putri, Nabilla Ditya Putu Ayu Kezia Dewi Putu Ayu Kezia Dewi Rahmani, Syifa Afifah Regina Deti Renea Shinta Aminda Ria Satyarini Ridwan S. Sundjaja Ridwan S. Sundjaja Ridwan Sundjaja Rizka Nugraha Praktikna Rooroh, Ryo Junior Salomon Parlindungan Samuel Samuel Samuel Sapulette, Militcyano Sapulette, Militcyano Samuel Sastroredjo, Probowo Erawan Setiawan, Daniel Imanuel Singadipoera, Muhammad Raihan Rafly Stefiany, Laurencia Suminar, Rita Tiffani, Ignasia Tjandrasa, Benny Budiawan Triyana Iskandarsyah Umi Widyastuti Vincent Gunawan YUSUF, RAMAYANI