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Putri Puspita Ayu
Universitas Swadaya Gunung Jati, Cirebon, Indonesia
Economics, Econometrics & Finance

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The Role of Financial Literacy, Ease, and Trust in the Intentions of Students in Cirebon in Using Digital Finance Eja Agustiana; Aprizal Suwanda; Putri Puspita Ayu
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.7474

Abstract

This study examines whether financial literacy, perceived ease, and trust can influence the increase in students' intention to use digital financial services. This research uses a quantitative approach processed using SPSS, with a sampling method through the Google Form platform and shared via social media. The population targeted by this study was students of the Faculty of Economics and Business, Swadaya Gunung Jati University, Cirebon. The sampling technique used was purposive sampling with certain predetermined criteria, with a sample of 258 respondents. The results showed that financial literacy, ease, and trust have a significant influence on the intention to use digital financial services. In particular, financial literacy has a positive impact, indicating that better financial understanding correlates with a higher propensity to adopt digital financial services. Nonetheless, these findings also highlight the need for increased financial literacy education, especially among university students.
Consideration Through the Psychological, Social Environment, and Technology That the Younger Generation Accepts to Buy Now Pay Later Ayunda Listy Fatia; Dahniar Dahniar; Putri Puspita Ayu
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.7610

Abstract

This study has examined the factors that affect the behavioral intentions of the younger generation in using Buy Now Pay Later (BNPL) services in Indonesia. Adopting the theoretical framework of 2 variable UTAUT performance expectations, and social influence, which has been expanded with Perceived Risk, and financial literacy on the behavioral intention of BNPL use. With a quantitative approach, primary data were collected from 247 respondents aged 18-41 years who were BNPL users, and analysis was conducted using the Partial Least Squares Structural Equation Model (PLS-SEM) method. In the results of this study, the three variables, namely financial literacy, performance expectations, and social influence, have a significant positive influence on behavioral intentions. Meanwhile, Perceived Risk showed a significant positive influence, which contradicted the initial hypothesis. In conclusion, this study shows that individuals with high levels of financial literacy are able to manage risk and remain motivated to use Pay Later. This research is expected to contribute to an academic and practical understanding of the dynamics of financial technology adoption among the young generation of Indonesia, in particular.
Co-Authors Aprizal Suwanda Ayunda Listy Fatia Dahniar Dahniar Eja Agustiana