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Determinants of Student Behavior to Use Financial Technology (Fintech) Banking Services - Integrated Theory of System Acceptance and Psychological Behavioral Theory Fachrurrozie Fachrurrozie; Indah Anisykurlillah; Hasan Mukhibad; Kuat Waluyo Jati; Ahmad Nurkhin
Journal of Applied Data Sciences Vol 7, No 2: May 2026
Publisher : Bright Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47738/jads.v7i2.1138

Abstract

Fintech provides technology-based banking and financial services; therefore, the analysis of FinTech usage behavior should be viewed in the context of system acceptance and psychological behavioral theory. We employ the System Acceptance Theory approach, specifically the Theory of Acceptance Model, and the psychological behavioral theory, the Theory of Reasoned Action, to explain behavioral intention to use FinTech and incorporate risk factors. This study aims to prove the influence of perceived ease of use, perceived usefulness, subjective norms, attitude, and perceived risk on the intensity of Generation Z's intention to use Fintech. Moreover, this research demonstrates the influence of intention to use Fintech on fintech usage behavior. This research employed a survey approach with 350 students in Indonesia, who are part of Generation Z, and analyzed the data using Structural Equation Modeling with Partial Least Squares. We report that perceived ease of use and perceived usefulness are vital factors in increasing the intention to use Fintech. Attitude is a factor that encourages students to use Fintech, and conversely, perceived risk is a vital factor in decreasing intention to use Fintech. We were unable to find evidence of a relationship between subjective norms and intention to use Fintech. Ultimately, behavioral intention in using Fintech is crucial for increasing student adoption of Fintech. This study recommends that financial institutions offer Fintech services to enhance usability, convenience, and mitigate the risks associated with fintech use.
Analyzing the Impact of Social Media Advertising on Consumer Interactions, Trust, and Purchase Intentions in the Cosmetics and Personal Care Sector Loo Shu Yee; Wong Chee Hoo; Christian Wiradendi Wolor; Syarifah Mastura Syed Abu Bakar; Ahmad Nurkhin
Journal of Applied Data Sciences Vol 6, No 3: September 2025
Publisher : Bright Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47738/jads.v6i3.669

Abstract

This study analyses the influence of social media advertisements on consumer purchasing intentions within Malaysia's cosmetics and personal care sector, highlighting the significance of interactivity, informativeness, and trust. Considering the growing prevalence of social media in marketing, comprehending how these elements affect consumer choices is crucial for enhancing digital advertising strategies.  This research utilises a quantitative approach to evaluate consumer behaviour. Data were gathered from 384 Malaysian consumers aged 18 and older who actively interact with cosmetic and personal care brands on social media using online survey. The research employed descriptive analysis, reliability and validity assessments, and hypothesis testing to investigate the relationships among principal variables.  Research demonstrates that informativeness and trust in social media advertisements substantially increase purchase intentions, with trust acting as a vital mediator. Although interactivity enhances trust, it does not directly affect purchase intention, indicating that its influence may be contingent upon contextual variables. These findings underscore the imperative for brands to deliver transparent, reliable, and informative content to enhance consumer trust and stimulate purchasing behaviour. The study's originality is rooted in its examination of the Malaysian cosmetics and personal care market, providing practical insights for marketers to enhance social media advertising strategies. The research underscores trust as a pivotal factor, offering essential insights for brands aiming to improve their digital engagement. This study enhances the existing literature on digital marketing in emerging markets, providing practical insights for businesses seeking to improve their social media efficacy in Malaysia.
The Use of Artificial Intelligence in Accounting Classes: Behavioral Insights from Students Fachrurrozie Fachrurrozie; Ahmad Nurkhin; Jarot Tri Bowo Santoso; Asrori Asrori; Harsono Harsono
Journal of Applied Data Sciences Vol 6, No 3: September 2025
Publisher : Bright Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47738/jads.v6i3.781

Abstract

Accounting learning has entered a new transformation with the intensive use of artificial intelligence. This study analyzes student behavior in using artificial intelligence in accounting lectures. The Unified Theory of Acceptance and Use of Technology (UTAUT) framework is used to understand student behavior by adding the construct of experience and competence of information and communication technology. This study contributes to the extended application of UTAUT. This survey took a sample of accounting and accounting education students at the Faculty of Economics and Business, Universitas Negeri Semarang, totaling 124 students. The questionnaire distributed via Google Forms was used as a data collection technique. The data analysis technique used was SEM-PLS. The results of the analysis show moderate student behavior in using artificial intelligence in accounting lectures, there is 2.48 of an average score. ChatGPT and Canva are the types of AI most frequently used by students in accounting courses. SEM-PLS analysis indicates that students' intentions to use artificial intelligence in their accounting lectures are more determined by performance and effort expectancy. The coefficients are 0.519 and 0.382 at a P-value of 0.000. Social influence does not have a significant effect on student intentions, with a P-value of 0.104. Student intentions, ICT experience, and ICT competence significantly influence student behavior to use AI. The coefficients are 0.382, 0.241, and 0.214 at a P-value less than 0.05. Facilitating conditions do not have a substantial effect on actual behavior, with a P-value of 0.210. The practical implication of this study is the importance of highlighting students' ICT experiences and competencies that determine the use of AI for lecture purposes.
Determinants of Student Investment Interest in the Capital Market Adhwi Bilqis Kansa Nabila; Ahmad Nurkhin
Danadyaksa: Post Modern Economy Journal Vol. 4 No. 1 (2026): Post Modern Economy Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/danadyaksa.v4i1.300

Abstract

This study aims to analyze the influence of financial literacy, risk perception, social influence, technological advancement, and capital on student investment interest in the capital market. This study uses a quantitative approach with data collected through questionnaires. The population in this study consists of students from the Accounting Education study program at Universitas Negeri Semarang class of 2022, with a sample of 167 respondents selected using purposive sampling technique. Data processing and analysis in this study were conducted using SPSS version 27. The results show that financial literacy, risk perception, social influence, technological advancement, and capital have a positive and significant effect on student investment interest, both partially and simultaneously. These findings indicate that student investment interest is influenced by knowledge, risk perception, social environment, technological accessibility, and capital affordability. Therefore, efforts to increase student investment interest must be supported through financial education, risk awareness, social support, and the provision of accessible and affordable investment facilities.
Co-Authors - FACHRURROZIE - Kardoyo -, Kardiyem Abdul Rohman Abdul Rohman ACHMAD RIFAI Adhwi Bilqis Kansa Nabila Aditama, Raka Rizky Aeni, Ida Agus Wahyudin Agus Wahyudin Ahmad Syahrul Fauzi Algifari Algifari Algifari Algifari Algifari, Algifari Ali, Noor Faqih Udin Amir Mahmud Anisa Septiani Aenul Fajriah Anna Kania Widiatami Ardyansyah, Faisal Arif Wahyu Wirawan Arif Wahyu Wirawan, Arif Wahyu Asep Purwo Yudi Utomo Asrori Asrori Atifatul Alifah Aulia Rizky Nur Ruwita Aziza, Maghfira Nur Baihaqi Rizqi Fajarwati Bakar, Syarifah Mastura Syed Abu Bangkit Candra Birama, Bangkit Candra Baswara, Satsya Yoga Bayu Bagas Hapsoro, Bayu Bagas Budiantoro, Risanda Christian Wiradendi Wolor Daffa, Muhammad Daud, Norzaidi Mohd Destiya Laelatul Azizah Dhifah Amaliyah Fadli Dwi Puji Astuti Ervie Sabrina Nuari Fachrurrozie Fachrurrozie Fachrurrozie, F Fadhilah Mahanani Saputri fatimah Fatimah Fiki Nushrotul Hafidh Fikriyah, Minkhatul Hardi Saputro, Iwan Harsono Harsono Harsono Harsono Hartanto, Dadi Hasan Mukhibad Heri Yanto Heri yanto Hidayatun Toyibah Priyati Istu Utami Hobar, Abdul Hoo, Wong Chee Ida Nur Aeni Ilma Anisaturizqi, Ilma Indah Anisykurlillah Indah Fajarini Sri Wahyuningrum, Indah Fajarini Sri Isnarto Isnarto Isnarto, Isnarto Iwan Hardi Saputro Jarot Tri Bowo Santoso Kardoyo Khasan Setiaji Khasanah, Nasriatun Kiswanto Kiswanto Kiswanto, Kiswanto Kuat Waluyo Jati Kustini, Sri Kusumantoro Kusumantoro Kusumantoro, Kusumantoro Loo Shu Yee Mahardika, Aura Aglis Maulida, Winda Nurul Maylia Pramono Sari Maylia Pramono Sari Meyta Putri Puspita Minkhatul Fikriyah Muhammad Feriady, Muhammad Muhammad Wahyudi Muhsin Muhsin Muhsin Muhsin Muhsin, Muhsin Mukhibab, Hasan Munirah, Anisatul Narenda, Alfa Narendra Utama W, Narendra Utama Ngabiyanto - Niam, Sufa’ah Hurumun Nilam Nathania NilaYunita Susanti Nor, Fakhrudin Novanty, Ine Nugroho, Aditya Surya Nugroho, Rosyid Wahyu Nurdian Susilowati Oki Anggaeni Partono Thomas Prabowo Yudo Jayanto PUJI LESTARI Rababah, Mahmoud Ali Raharjo, Teguh Hardi Raharjo, Teguh Hardi Raharjo Rahayu Lestari Ratieh Widhiastuti Reza Dwi Kumala Risanda A. Budiantoro Risanda Alirastra Budiantoro Risnaeni Risnaeni, Risnaeni Rokhani, Sri S Martono S Martono Safitri, Diyah Salis, Abdul Rozaq Sari, Puji Novita Sejati, Adif Akbar Selawati Septianingtyas Septiana, Duwi Setiawan, Fadli Arif Setiawati Setiawati Shahtaz Twanneke Henga Putri, Shahtaz Twanneke Henga Shinta Puspitasari Sifa Farida, Sifa Siti Fatimah Siti Nurdianti, Siti Sri Kustini Subarkah, Afri Subkhan Subkhan Sulhadi Sumiadji Sutikno Sutikno Syafa Azmi Muazaroh Syamsu Hadi Syarifah Mastura Syed Abu Bakar Tri Jatmiko Wahyu Prabowo Triwidisari, Asri Umi Thoifah Amalia, Umi Thoifah Usep Suhud Wedadjati, Ratna Sesotya Wicaksono Adi Nugroho, Wicaksono Adi Widiatami, Anna Widiyanto Widiyanto Widiyanto Widiyanto Widiyanto Widiyanto Widiyanto Widiyanto Wiji Astuti Wong Chee Hoo Yee, Loo Shu Yozi Aulia Rahman, Yozi Aulia Zikir Zibran Firdaus