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All Journal Journal of Economic, Bussines and Accounting (COSTING) Inkubis: Jurnal Ekonomi dan Bisnis
Intan Permata Dewi
Universitas Jenderal Achmad Yani
Economics, Econometrics & Finance

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UNIFIED THEORY OF ACCEPTANCE AND USE OF TECHNOLOGY TERHADAP USE BEHAVIOUR MELALUI FINANCIAL LITERACY Novi Susyani; Intan Permata Dewi; Dzikri Muhammad Dhiya’ul Haq
Journal of Economic, Bussines and Accounting (COSTING) Vol 7 No 6 (2024): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i6.12813

Abstract

Penelitian ini bertujuan untuk mengeksplorasi pengaruh Unified Theory of Acceptance and Use of Technology (UTAUT) terhadap Use Behaviour teknologi keuangan (fintech) yang dimediasi oleh Financial Literacy. Dalam era digital yang berkembang pesat, fintech memainkan peran penting dalam mempermudah akses layanan keuangan serta mendorong inklusi finansial, khususnya bagi Generasi Z yang akrab dengan teknologi. Penelitian ini menggunakan pendekatan kuantitatif dengan metode Partial Least Squares Structural Equation Modeling (PLS-SEM) untuk menganalisis data yang dikumpulkan melalui survei online terhadap 203 responden pengguna fintech dari kalangan Generasi Z. Hasil penelitian menunjukkan bahwa UTAUT berpengaruh signifikan terhadap Use Behaviour teknologi keuangan, baik secara langsung maupun melalui Financial Literacy sebagai variabel mediasi. Pengguna dengan literasi keuangan yang lebih tinggi cenderung lebih aktif menggunakan layanan fintech dan mampu mengelola risiko finansial dengan lebih baik. Temuan ini memberikan wawasan penting bagi pengembang fintech dan pembuat kebijakan dalam merancang strategi peningkatan literasi keuangan guna mendukung adopsi teknologi keuangan yang lebih luas..
Market Reaction to Information Signals: Evidence from the Indonesian Stock Market Esi Fitriani Komara; Intan Permata Dewi
Inkubis : Jurnal Ekonomi dan Bisnis Vol. 8 No. 2 (2026): INKUBIS Jurnal Ekonomi Dan Bisnis
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59261/inkubis.v8i2.212

Abstract

Background: The capital market is involved in the allocation of funds and the reflection of economic information. However, in emerging markets such as Indonesia, responses to macroeconomic signals are not consistently observed due to information asymmetry, investor heterogeneity, and high economic uncertainty. Objective: This study aims to analyze the impact of interest rates, inflation, and exchange rates on market returns and to describe the response to macroeconomic signals in the Indonesian stock market. Methods: This study uses monthly time-series data from the Indonesia Stock Exchange, Bank Indonesia, and the Central Statistics Agency from 2016 to 2025. Multiple linear regression analysis is used to examine the relationships among the variables. Results: Results show that exchange rates have a negative and significant impact on market returns, while interest rates and inflation have no significant impact on market returns. These findings suggest that external macroeconomic factors, especially currency fluctuations, have a greater impact on stock market reactions than domestic financial variables. Conclusion: This study concludes that among the three macroeconomic information signals analyzed, exchange rates have the most dominant and statistically significant impact on market returns in Indonesia. These findings highlight that market responses in emerging markets are context-dependent and shaped by prevailing macroeconomic conditions and investor risk perceptions.
Co-Authors Dzikri Muhammad Dhiya’ul Haq Esi Fitriani Komara Novi Susyani