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All Journal Jurnal Ilmiah Mahasiswa Manajemen, Bisnis dan Akuntansi PANDITA: Interdisciplinary Journal of Public Affairs
Rani Normawati
AKN Putra Sang Fajar
Economics, Econometrics & Finance Education Environmental Science Public Health Social Sciences Other

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Digital Financial Literacy pada Milenial: Pendekatan Knowledge, Attitude dan Behavior (KAB Model) Rani Normawati; Eko Esti Santoso
Jurnal Ilmiah Mahasiswa Manajemen, Bisnis dan Akuntansi (JIMMBA) Vol. 5 No. 1 (2023): JIMMBA
Publisher : LP3M Universitas Putra Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32639/jimmba.v5i1.253

Abstract

This study aims to determine digital financial literacy among millennials in the Surabaya area. The millennial generation has unique characteristics and is considered very close to technology, especially financial technology, so we are excited to examine millennial behaviour. Evaluation of digital financial literacy is carried out using a knowledge, attitude and behaviour approach, where financial knowledge, digital financial knowledge and financial attitude are determinants of financial behaviour. The research was conducted using a survey method on millennials in the 25-40 age group of 275 respondents. This study uses structural equation modelling (SEM) to estimate the relationship between variables. The analysis of the model shows that financial knowledge, digital financial knowledge and financial attitude affect financial behaviour. As a mediating variable, financial attitude affects it partially, which means the presence or absence of financial attitude, financial knowledge, and digital financial knowledge variables still have a positive and significant influence on financial behaviour
Consumers’ Intention pada Omni-Channel Matahari dengan Pendekatan Utaut Rani Normawati; Anna Widayani; Ika Rachmawati
PANDITA : Interdisciplinary Journal of Public Affairs Vol. 5 No. 2 (2022): Juli - Desember
Publisher : Fakultas Ilmu Administrasi Universitas Krisnadwipayana Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61332/ijpa.v5i2.45

Abstract

Technological developments, especially in product marketing, are very diverse, for example omni-channel. Omni-channel is implemented to reach a wider audience. This study aimed to examine and analyze the factors influencing the intention to use omni-channel among Matahari Department Store (MDS) consumers. The collected data was processed based on the descriptive statistical analysis method to determine the characteristics of the respondents and inferential statistics using SEM-PLS. The results of the study show that performance expectancy has a positive effect on omni-channel shopping attitude. Likewise with the omni-channel shopping attitude towards consumers' intention. A positive but not significant effect can be seen in the relationship between the effect of effort expectancy and omni-channel shopping attitude.    
Co-Authors Anna Widayani Eko Esti Santoso Ika Rachmawati