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All Journal JURNAL PENDIDIKAN TAMBUSAI Talent: Journal of Economics and Business
Ramadhani, Ella
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Exploring the Mediating Role of Digital Literacy and Moderating Role of Security Perception in Fintech Trust and Digital Payment Adoption Khairunnisa, Fitri; Ramadhani, Ella; Wulandari, Sekar Asri Pebri; Ningtyas, Firda Alfi
Talent: Journal of Economics and Business Vol. 3 No. 03 (2025): September 2025
Publisher : Lentera Ilmu Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59422/jeb.v3i03.977

Abstract

Amid the rapid growth of fintech adoption that is not yet matched by adequate digital literacy and trust level. This study aims to analyze the role of digital literacy in mediating the effect of trust in fintech services on the use of digital payments, as well as exploring the moderating role of perceived security in the relationship. Quantitative methods were used by collecting data from 78 respondents through questionnaires, then analyzed using SmartPLS 3. The results showed that trust in fintech services had a significant effect on digital literacy and digital payment usage. However, digital literacy does not have a significant direct effect on digital payment usage and does not significantly mediate the relationship between trust and digital payment usage. In contrast, perceived security was shown to significantly moderate the relationship between trust, digital literacy, and digital payment usage. These findings emphasize the importance of increasing digital literacy education, strengthening trust in fintech services, and effective communication about application security to users. This study also recommends a strategy based on user segmentation, especially based on the level of digital literacy and security perceptions, so that interventions are more targeted and able to encourage wider and more sustainable adoption of digital payments.
Pengaruh Pengetahuan Investasi, Return, dan Persepsi Risiko terhadap Minat Mahasiswa untuk Berinvestasi di Pasar Modal Ramadhani, Ella; Khairunnisa, Fitri Sri; Syafitri, Laila Hasna; Dasman, Sunita
Jurnal Pendidikan Tambusai Vol. 8 No. 3 (2024)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

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Abstract

Tujuan dari penelitian ini adalah untuk menentukan bagaimana pengetahuan investasi, return, dan persepsi risiko berdampak pada keinginan mahasiswa di Bekasi untuk berinvestasi di pasar modal. Penelitian ini menggunakan pendekatan kuantitatif. Seluruh mahasiswa di Bekasi akan menjadi subjek. Namun, metode purposive sampling digunakan untuk memilih sampel. untuk mendapatkan respons dari 354 siswa yang menjadi sampel penelitian. Setelah uji validitas dan reliabilitas selesai, data diubah menggunakan Metode Interval Seterusnya. Setelah semua data lulus uji asumsi klasik, data dianalisis menggunakan regresi linier berganda. Hasil penelitian menunjukkan bahwa pengetahuan tentang investasi tidak memengaruhi minat investasi; namun, return dan persepsi risiko secara parsial memengaruhi minat investasi.
Co-Authors Khairunnisa, Fitri Khairunnisa, Fitri Sri Ningtyas, Firda Alfi Sunita Dasman Syafitri, Laila Hasna Wulandari, Sekar Asri Pebri