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All Journal Jurnal Penelitian Humaniora Jurnal Ilmu Manajemen JURNAL ECONOMIA INOTEKS : Jurnal Inovasi Ilmu Pengetahuan, Teknologi, dan Seni Abdimas Dewantara Community Empowerment Journal of Management and Entrepreneurship Research Jurnal Abdi Masyarakat Indonesia Jurnal Ilmu Manajemen Journal of Banks and Financial Institutions Start-up and Financial Technology Fairness
Lina Nur Hidayati
Universitas Negeri Yogyakarta
Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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Journal : start-up and financial technology

 1 
Social Impact of Digital Payment Technology Adoption in Developing Countries: A Financial Literacy Based Qualitative Study Lina Nur Hidayati
Start-up and Financial Technology Vol. 1 No. 1 (2025)
Publisher : Generate Digital Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70764/gdpu-sft.2025.1(1)-01

Abstract

Objective: This research aims to assess the social impact of adopting digital payment technologies in developing countries with a focus on financial literacy, especially among vulnerable groups with low financial literacy. Research Design & Methods: This research uses a qualitative approach with a literature study, analyzing relevant previous studies. Data was drawn from recent literature on adopting digital payments in developing countries and its impact on financial inclusion, literacy, and consumer behavior. Findings: This research shows that digital payment technologies can accelerate financial inclusion, but inequality in financial literacy is a significant barrier for low-income groups to experience the benefits fully. People with low financial literacy face higher security risks and difficulties accessing digital payment services. Implications & Recommendations: The importance of more intensive and inclusive financial literacy education so that vulnerable groups can optimally utilize technology. Digital education programs should be specifically designed to improve financial understanding and skills at the grassroots. Contribution & Value Added: This research offers insights for policy makers and financial service providers on the importance of strengthening financial literacy in an effort to expand equitable adoption of digital payment technologies.  
Financial Literacy, Financial Efficacy, Locus of Control, And Financial Behavior as Determinants of Students Investment Decisions in Yogyakarta Ramadhan Edyastriputra; Lina Nur Hidayati
Start-up and Financial Technology Vol. 2 No. 2 (2026)
Publisher : Generate Digital Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70764/gdpu-sft.2026.2(2)-02

Abstract

Objective: This study examines the influence of financial literacy, financial self-efficacy, locus of control, and financial behavior on investment decisions among university students in Yogyakarta.Research Design & Methods: A quantitative research design was employed, involving 100 university students in Yogyakarta. Data were collected using a structured questionnaire that had undergone validity and reliability testing. Multiple linear regression was used to examine the partial effects of the independent variables on investment decisions.Findings: Empirical findings indicate that financial literacy, financial efficacy, locus of control, and financial behavior all have a positive and significant influence on investment decisions among university students. Among these factors, financial behavior exerts the strongest influence, highlighting the crucial role of responsible financial practices in shaping students' investment decisions.Implications: These findings indicate that universities, policymakers, and financial institutions must develop integrated financial education programs that strengthen not only financial knowledge but also financial confidence, personal control, and responsible financial behavior. Students need to enhance their investment knowledge and develop disciplined financial practices to support sound investment decisions.Contribution & Value Added: This study contributes to the investment decision-making literature by integrating cognitive, psychological, and behavioral determinants into a single framework. The findings specifically highlight the crucial role of financial behavior in shaping students' investment decisions and offer practical insights for designing more comprehensive financial education programs for young investors.
Co-Authors Abimanyu Abimanyu Achmad Arifin Ahmadi, Caesar Rosyad Alfonso Mendoza-Velázquez Arum Darmawati Caesar Rosyad Achmadi Devina Isnaeni Ramadani Heny Kurnianingsih Ibnu Siswanto Mugi Harsono Muniya Alteza Mustaqim, Ilmawan Naning Margasari Nindya Nuriswati Laily Penny Rahmawaty Pratama, Mahendra Ryansa Gallen Gagah Radhika Putri Nursetya Rahmawati, Penny Ramadhan Edyastriputra Tyas Effendi Winarno Winarno Winarno Winarno