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Umi Widyastuti
Balai Besar Litbang Vektor dan Reservoir Penyakit Jl. Hasanudin No. 123 PO BOX 200, Salatiga, Indonesia
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Pengaruh Literasi Keuangan Digital Terhadap Perilaku Menabung Nasabah Bank Digital di DKI Jakarta Wa Ode Regina Hersanti; Widyastuti, Umi; Noviarini, Diena
PENG: Jurnal Ekonomi dan Manajemen Vol. 3 No. 1 (2026): JANUARI
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/6ptntj40

Abstract

The objective of this study is to investigate the impact of digital financial literacy on the saving behavior of digital banking users in the DKI Jakarta area, with a particular emphasis on SeaBank customers. The research also explores digital financial literacy in connection with socio-economic variables, such as educational attainment, income level, employment type, and financial learning experience. This study employs a descriptive quantitative methodology and gathers data through an online survey distributed via Google Forms. The data is then analyzed using the Structural Equation Modeling (SEM) approach. The findings indicate that digital financial literacy has a significant and positive effect on individuals' saving behavior. Furthermore, socio-economic conditions are shown to positively and significantly influence digital financial literacy. In contrast, financial education does not demonstrate a significant positive relationship with digital financial literacy.
Co-Authors Abdul Mukti Soma Achmad Fauzi Adjie, Raditya Nuswantoro Agung Dharmawan Buchdadi Agus Wibowo Aris Wahyu Kuncoro Armeliza, Diah Asmaranti, Saskya Mely ATI SUMIATI, ATI Aulia, Aifa Lintang Bambang Heriyanto Bambang Heryanto Berutu, Meta Bara Bilqiis, Allysya Lailla Blondine Ch. P Cedaryana, Cedaryana Ch.P, Blondie Chandra, Sayyidatul Aisyah Abigail Alhabi Christian Wiradendi Wolor Cindy, Vira Deyana Corry Yohana Damar Tri Boewono Despinur Dara Destria Kurnianti Dewi Susita Dicky Iranto Diena Noviarini Dinata, Andi Iskandar Dwita Darmawati Effendi, Mohammad Sofwan Erliani, Eni Ervina Maulida Etty Gurendrawati, Etty Ferrari Friana, Rita Frisca, Dhea Gatot Nazir Ahmad Ghifari, Ezar Atira Anamta Hamidah . Hartina, Evita Hasan Boesri HENRY ERYANTO, HENRY Heryana, Toni Hidayat, Nurdin Ika Kartika Indiyastuti, Nurhayati Indra Pahala Indriyani, Reni Kamil, Muchammad Ichsan Kerans, Febrianus David Dagang Khairunnisa, Hera Koen Hendrawan Krissanya, Nofriska Lajuni, Nelson Lenggogeni, Lenggogeni Lestari, Fitra Dila Lestari, Friska Aviyanti Lestari, Utami Puji Maemonah, Maemonah Mahfirah, Titis Fatarina Mardi Mardi Marwah, Siti Maylia Pramono Sari Mohidin, Rosle MONICA DEWI Muhammad Yusuf Mujiono Mujiono Muliasari, Indah Musyaffi, Ayatulloh Michael Nafiza Puspa Ayuningtyas Hapsari Nazir Ahmad, Gatot Nurshinta, Nurshinta Osly Usman Pertiwi, Caroline Purwana E.S., Dedi Rahmansyah, Moch. Fahrul Ramadhani, Rania Aulia Rd. Tuty Sariwulan Respati, Dwi Kismayanti Ristiyanto Ristiyanto Rosada, Maisya Sabrina Sabrina Safina, Putri Della Sarwin, Sarwin Setyo Ferry Wibowo Shandy Aditya, Shandy Sholahudin, Muhammad Sa’id Sibarani, Silvia Paula Artha Siti Maesaroh Suherman, Suherman Sunasa, Arman Aria Supargiyono Supargiyono Suparno Suparno SUSAN FEBRIANTINA, SUSAN Tri Baskoro T. Satoto Turrahmi, Kurnia Tuti Sariwulan, Tuti Ulupui, IGKA Usep Suhud Wa Ode Regina Hersanti Waheeda, Umi Wastuti, Wahyu Widiarti Widiarti Widya Parimita, Widya Yasmin, Eka Faradila Yuniarti, Puji Zahro, Khalisatuz Zita, Alysa Aghna