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Journal : Action Research Literate (ARL)

Masyarakat Cerdas Tabungan Berkembang Melalui Kecakapan Digital Dan Keuangan Di Era Fintech Khoerunnisa, Tia; Kartika, Sri; Maulana, Asep
Action Research Literate Vol. 9 No. 10 (2025): Action Research Literate
Publisher : Ridwan Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/arl.v9i10.3053

Abstract

Digital transformation has reshaped how individuals manage their finances, including saving behavior in the fintech era. However, technological advancement is not always accompanied by sufficient digital and financial literacy, resulting in suboptimal financial behavior among society. This study aims to analyze the influence of digital literacy and financial literacy on saving behavior among Indonesian users of digital financial services. This research employed a quantitative approach with an explanatory research design and purposive sampling technique involving 110 respondents who have used fintech applications such as OVO, DANA, GoPay, or mobile banking. Data were collected using an online questionnaire and analyzed through multiple linear regression with SPSS version 27. The findings reveal that financial literacy has a positive and significant effect on saving behavior, while digital literacy has no significant effect. However, both variables simultaneously show a significant influence on saving behavior with a contribution of 51.6%. These results highlight that financial literacy plays a dominant role in shaping saving habits in the digital era, while digital literacy acts as a supportive factor that enhances financial behavior effectiveness. The study recommends promoting digital-based financial education to strengthen public literacy and financial independence.
Co-Authors Abdurrosyid Agil Fahmi Attaufiqi Aida, Izzah Nur Ainul Churria Almalachim Ainun Nafisah, Ainun Al Awaludin, Qobus Rayhaan Alfan, Muhammad Almalachim, Ainul Churria Amalia, Fatma Amidia, Nadira Aisha Angraeni, Rista Anis Lathifatul Insaniyah Apsari, Aisyah Putri Aristya Hartanto Asep Tutun Usman Attaufiqi, Agil Fahmi Auliansyah, Alvito Bakiruddin, M Bambang Irawan Bambang Irawan Bambang Irawan Baroro, Faidatul Bu Ulolo, Devi Melisabeth Chayati, Nurul Cinta, Fitria Dendi Yuda S Dhika Bagus Elin Fadila, Ika Lista Faisol Nasar bin Madi Fajriatama, Tegar Dwi Fatikh, M. Alfin Fatma Aslikhatul Amaliyah Fauzi, Afry Zihan Fikri, Muhammad Daffa Jauza Fina Marshella Firdaus, Ana Nurhidayati Firmansyah, Choiron Fithri, Chusna Nazilatul Fitri Nur Masruriyah, Anis Fitria Cinta Fitria Cinta Habibah, Nur Faiz Hamid, Muhammad Syarwan Hanaya, Syadira Harianto - Hawignyo Herdiansah Hosna, Hosna Huda, Mokhammad Miftakhul Husnina, Najla Nurul Ilma, Maulia Humaini Imam Wahyudi Imam Wahyudi Indrawan, Imam Wahyudi Ina Ratnasari Indrianto, Nino Isnaini, Fikri Latifatul Juhari, Imam Bonjol Kamilin, Bahrudin Rosyid Karomah, Wasiatul Kartika, Sri Kartini, Ade Kelsha Berliana Rifty Khoerunnisa, Tia Khoirul Umam Khoritotul, Winda KUSNANTO, DANANG Laeli, Sobrul Lailatur Rohmah Lestari, Sri Ayu M Bakiruddin M. Imam Musyafa’ Ali Ma'suq, Ahmad Tarajjil Mahmudah, Aulia Salim Maman Suherman MARIA BINTANG Maskud Maskud Maskud Maskud Maskud Maskud Maskud Maskud, Maskud Masripah Maujud, Fathul Maulana, Bayu Wahyu Moh. Badrus Solichin Muhamad Hassan Nabawi, Muflih Nafi'ah, Aniyatul Nafisatun Najwa Najwa Khoerunnisa Najwa, Nafisatun Nashihah, Riris Fikriyatun Nawan Nenden Munawaroh Nestiti, Intan Liani nisa fitriani Nisa Fitriani Nisa’, Dwi Khoirotun Novita Anggraini Novita, Hilda Yulia Nurazizah, Siti Nurhibbulwalidain, Nurhibbulwalidain Permana, Vitho Bagus Pitriyani, Uju Priambudi, Priambudi Putri, Riska Mayasta Rahma Dini Aulia Rahmawati, Nurmala Dewi Raisya Putri Syafna Azzahra Ramadhan, Muhammad Rizki Ramadhan, Mulky Ismail Ramdhani, Danny Rani Ulpa Repansyah, M. Rizki Riani Rahma Novelina Rifki Yoga Pratama Riris Fikriyatun Nashihah Rista Angraeni Rista Angraeni Rizaldi, Muhammad Rama Rizka Dwi Syaharani Rizqiyah, Ulir Rohmat, Basuki Rosid, Abdur RR. Ella Evrita Hestiandari Rulhendri Rulhendri Saleh, Zeiburhanus Salma Nurhasanah Sandika Naudal Fawwaz Wijaya Sasmita, Tegar Permata Sebgag, Saliha Sekar Nirwana Ros Sinta Aji Sinta Apriyani Sinta Bella Siska Dewi Siti Rohmah Siti Rumania Sri Ayu Lestari Suhartati Agoes Sumardjo Sumari Mawardi Syamsul Anam Syamsul Anam Syarifah, Ulfah Rasyidatus Syariful Himam Thoyibah, Naim Hikmatut Triadi Wicaksono Ulfah Rasyidatus Syarifah Wicaksono, Triadi Wijaya, Sandika Naufal Fawwaz Wulandari Wima, Annisa Eriska Yossy Marsyatrinisa Yuliarida, Nafisah Dwi Yusuf Olawale Owa-Onire Uthman Zaimatil Ashfiya’ Zainuddin El Haj