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Analysis of the Influence of Financial Literacy and Financial Inclusion on Use of Financial Technology (Fintech) (Case Study of Islamic Bank Customers ) Muhammad Aldrian Oktofa; Tuti Anggraini
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 05 (2025): JIEI : Vol. 11, No. 05, 2025
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v11i05.18590

Abstract

This research is motivated by the rapid development technology digital finance ( financial technology or fintech ) which also change behavior customers in accessing and utilizing service finance , including in the sector Islamic banking . However , the high fintech adoption doesn't always work along with level literacy and inclusion finance society , especially Islamic bank customers who have characteristics and preferences special based on Sharia principles . Formulation The problem in this research is focused on the question : (1) What is the influence of financial literacy to use of fintech by sharia bank customers ? (2) How is the influence financial inclusion to use of fintech by Islamic bank customers ? and (3) What are financial literacy and financial inclusion? in a way simultaneous influential significant to use of fintech by sharia bank customers ? The purpose of This research is to analyze in a way in-depth how the level literacy finance and inclusion finance influence pattern use fintech services by Islamic bank customers , as well as to identify connection simultaneous between​ second variables independent the to variables dependent . This study uses approach qualitative with method studies bibliography and descriptive-analytical , which examines various primary and secondary sources , including research results previous studies , scientific journals , and academic books relevant . Research result shows that good financial literacy and financial inclusion own influence positive and significant to the use of fintech by sharia bank customers is good in a way partial and simultaneous . Literacy level adequate finances​ help customers understand risks and benefits fintech services , as well as making decisions smart finance . Meanwhile​ that , level inclusion good finances​ open wider access​ to products and services finance digital- based . Combination both of them push improvement optimal adoption of fintech in the context Islamic banking , in line with findings study previously stated that the ability individuals in understanding information finance as well as access to institution finance are two factors crucial in acceleration transformation digital finance .
Co-Authors Ahmad Perdana Indra Ahmad Ripai Saragih Ahmad Sabili Yuhda Ahmad Syakir Alwan Azhari Ananda Rezeki Isnaini Nasution Andri Soemitra Angga Dwi Prasetyo Anggita Rizkia Anisah Cyntia Dewi Pratama Anisya Putri Syam Sinambela Annisa Edelia Annisa Zahrina Dharmawan Annisari Annisari Aristo Zaky Zein Siregar Arnida Wahyuni Lubis Askur Hamid Nasution Asmuni Batu Bara, Nazryva Nur Muthia Bayu Prabowo Chairul Adly Ginting Cindy Anggreni Dewi Sartika Silalahi Dhea Dinanty Dimas Ardiansyah Dita Marisa Feby Aulya Wardani Fitri Fitriyani Fitriyani Gendis Raihan Ardha Harahap, Muhammad Ikhsan Hendra Harmain Indah Sri Utami Zebua Indah Wahyuni Intan Ruhama Ira Amalia Khairunnisa Irgi Iqbal Isna Fauziah Jannah, Nurul Jihan Suwifania Juliana Nasution Khoirunnisa Ritonga Kusmilawaty Kusmilawaty Laila Maisaroh Laksono Trisnantoro M. Ikhsan Harahap M. Sawal Pitriyadi M. Yasir Nasution M. Yoga Pratama Harahap Marizqa Mustika Dara Marliyah Mhd Irwan Padli Nst Muhammad Aldrian Oktofa Muhammad Arif Muhammad Candy Awang Batubara Muhammad Lathief Ilhamy Nasution Muhammad Yafiz Nadhri Filka Nadia Fahira Nasution, Muhammad Irwan Padli Nur Ainun Ningsih Nur Azizah Siregar Nurbaiti Nuri Aslami Nurlaila Nurlaila Nurlaila Nurmala Kumasari Pasaribu Nursantri Yanti Nurul Inayah Nurul Izzah Nurwadiyah Nasution Ofrahaza Siregar Putri Dini Agustin Rahmat Daim Harahap Rahmat Daim Harahap Rahmi Syahriza Regi Anika Reni Ria Armayani Hasibuan Retnawati Siregar Rika Umbaiyani Ritonga Risky Sobari Salimah Salimah Samsudin Sariati Nasution Senly Ardalena Damanik Siti Aisyah Siti Chairani Zahwa Siti Zumara Sitorus, Siti Sarah Sri Ratna Devi sri sudiarti Suci Arifah Lubis Sugianto Sugianto Sugianto Tambunan, Khairina Tri Inda Fadhila Rahma Wandira Atmaja Yulita Astri Zaini Ahmad Zulhasby Assidqy Nasution Zulkarnain Abdurrahman