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Sri Puji Lestari
UNTAG Semarang
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Journal : Annals of Human Resource Management Research

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Enhancing employee financial capability via super-apps: A case study in Semarang Suyati, Sri; Nurchayati, Nurchayati; Soegiastuti, Janti
Annals of Human Resource Management Research Vol. 5 No. 4 (2025): December
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/ahrmr.v5i4.3301

Abstract

Purpose: Digital transformation has driven the development of technology-based financial services, including super-apps that integrate various services in one platform. This study aims to analyze the effect of super-apps usage and digital literacy on people's financial behavior, with financial inclusion as a mediating variable. Research Methodology: This study uses a quantitative approach with the Partial Least Squares–Structural Equation Modeling (PLS-SEM) analysis technique. Respondents were 194 people from Semarang City who were active users of super-apps services. Results: The results of the study show that the use of super-apps and digital literacy have a positive effect on financial behavior, both directly and indirectly through financial inclusion. Digital literacy is proven to have the strongest influence on financial inclusion, which then significantly mediates the relationship between digital literacy and financial behavior. Meanwhile, the indirect effect of super-apps usage on financial behavior through financial inclusion is relatively small. Conclusions: These findings emphasize the importance of increasing digital literacy to encourage broader financial inclusion and wiser financial behavior. Limitations: This study is limited to a sample of 194 respondents in Semarang, so the findings cannot be widely generalized. The use of self-report questionnaires may introduce bias. The variables examined are still limited, and the cross-sectional design cannot explain causal relationships. In addition, the study does not differentiate types of super-apps and does not consider structural factors such as income and digital infrastructure. Contribution: May consider adding variables such as trust in fintech, personal financial efficacy, or digital security risks.
Co-Authors ., Tukidi Agung Wibowo Agus Setiawan Ahmal, Vicko Javier Alahsyari, Muhammad Fauzi Amah, Elbert Samuel Landu Andalan Tri Ratnawati Anggita Husada Annisa, Ishma Ardina, Yenli Arifah, Ismi Nur Artati, Noor Endah Atik, Yansen Azzam, Muhammad Abdullah Bakti, Aji Setiya Budi Sawitri Cindy Phasalita Widayatma Claudia, Devky Adelita Dewi Khurun Aini Dewi, Tyas Soemarah Koernia Djuwartini Dwi Indah Iswanti Dwi Pepri Rahmawati, Dwi Pepri Farid, Abdul febriyanti febriyanti Feby Musti Ariska Fery Agusman Motuho Mendrofa Fitri Wahyuni, Sri Fredy Hermanto, Fredy Fuad Riyadi, Fuad Hafiz, Muhammad Shareza Handayani, Sri Harini, Nyang Vania Ayuningtyas Harjono Harjono Hasyim Hasyim Heri Prasetyo Hidayatullah, Bayu Honorata Ratnawati DP Ichwan, Zaidan Al’ Ilmiasari, Yeyen Irdawati, I Janti Soegiastuti Joko Riyanto Khamimah Khamimah Khamimah Lestari, Sofi Sri Indah Masfia, Irma Maya Sari Muchayatin, Muchayatin Muhammad Ridwan Muhammad Rivai Murtadha, Rafly Hayata Musprihadi, Ribut Mustikaningrum Hidayati Nasution, Yusneni Afrita Nufus, Zakiatun Nurchayati Nurchayati Nurkhasanah, Yayuk Pebri Olivia, Dhea Parju, Parju Prihatin Tiyanto Putra, Ungki Prabowo Putri, Dhyta melliany Putro, Ungki Prabowo Radiman, Radiman Ratnawati , Andalan Tri Rika Rizky Hidayat, Rizky Royhanaty, Isy Sari, Yuni Elmita Selma Khoirunnisa Nirmala Setyobudi Setyobudi Siregar, Qahfi Romula Siti Aminah SITI AMINAH Son haji, Son Soraya, Lulu Sri Fitri Wahyuni Sulistyani Sulistyani Supartono - Supratiningrum Supratiningrum Syafitri, Normalita Teguh Supriyadi Widia Astuty ZIKRINAWATI, KHAIRANI