Article Per Year (5 Year)
p-Index From 2021 - 2026
0
P-Index
This Author published in this journals
All Journal Cakrawala Repositori Imwi
Maenaka, Ardha Gunung
Unknown Affiliation
Economics, Econometrics & Finance

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
The Influence of Digital Financial Literacy, Financial Self-Efficacy, and Financial Experience on The Interest in Using Pay-Later Fintech Payment Services Among Students in Yogyakarta Maenaka, Ardha Gunung; Kusumawardhani, Ratih; Rinofah, Risal
Cakrawala Repositori IMWI 1709-1721
Publisher : Institut Manajemen Wiyata Indonesia & Asosiasi Peneliti Manajemen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52851/cakrawala.v8i6.824

Abstract

The development of digital technology has encouraged the emergence of technology-based financial services, one of which is fintech pay-later services. While offering convenience and flexibility, the adoption of these services is not only influenced by technological factors, but also by individual factors such as digital financial literacy, self-efficacy in managing finances, and financial experience. This study aims to analyze the influence of Digital Financial Literacy (DFL), Financial Self-Efficacy (FSE), and Financial Experience (FE) on the interest in using fintech payment pay-later in students in Yogyakarta. This study uses a quantitative method with a descriptive approach. The research sample amounted to 100 students who were selected using the purposive sampling technique. Data were collected through questionnaires and analyzed using multiple linear regression analysis. The results showed that simultaneously, the three independent variables had a significant effect on the interest in using pay-later. However, partially, only financial self-efficacy has a positive and significant effect. Meanwhile, digital financial literacy and financial experience have no significant effect on interest. These findings indicate that students' self-confidence in managing finances is more dominant in influencing their decision to use pay-later services compared to their financial knowledge and experience.
Co-Authors Kusumawardhani, Ratih Risal Rinofah, Risal