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All Journal IMAGE Jurnal Manajemen dan Bisnis Indonesia The International Journal of Business Review (The Jobs Review) Organum: Jurnal Saintifik Manajemen dan Akuntansi Jurnal Ekonomi Manajemen Kumawula: Jurnal Pengabdian Kepada Masyarakat Management Studies and Entrepreneurship Journal (MSEJ) BERNAS: Jurnal Pengabdian Kepada Masyarakat IJORER : International Journal of Recent Educational Research Journal of Trends Economics and Accounting Research Jurnal Ekbis (Ekonomi & Bisnis) Atestasi : Jurnal Ilmiah Akuntansi
Netti Siska Nurhayati
Universitas Pendidikan Indonesia
Religion Agriculture, Biological Sciences & Forestry Humanities Chemistry Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Mathematics Neuroscience Nursing Public Health Social Sciences Veterinary Other

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A Comparative Study of Fintech Literacy between Generation Y and Generation Z Nurhayati, Netti Siska; Yuliawati, Tia; Nugraha, Nugraha; Sari, Maya
Jurnal Ekonomi Manajemen Vol 11, No 2 (2025): November 2025
Publisher : Program Studi Manajemen Fakultas Ekonomi dan Bisnis Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jem.v11i2.17789

Abstract

This study examines whether significant differences in fintech literacy exist between Generation Y and Generation Z in the context of increasing digital financial transformation. The use of technology in the financial sector is known as financial technology (fintech). The purpose of this study is to determine whether there are differences in Fintech Literacy between generation Y and generation Z, given that these two generations absorbed internet technology in their youth to adulthood, in the mid-1990s to 2000s. In this study, Fintech Literacy refers to the Diffusion of Innovation (DOI) theory and the Technology Acceptance Model (TAM) conceptual model. In order to answer the research questions, questionnaires were distributed to 100 generation Y respondents and 183 generation Z respondents. Hypothesis testing was carried out using the Mann-Whitney Test, adjusted for the ordinal scale data form. The results of the hypothesis test show that there is no significant difference in Fintech Literacy between generation Y and generation Z. Beyond its empirical contribution, this study enriches the fintech literacy literature by demonstrating that generational differences may be less pronounced than commonly assumed, particularly when both cohorts are exposed to similar technological environments
A Descriptive Analysis of Student Perceptions of Cryptocurrency as a Tool for Financial Inclusion and Government Efficiency Khotamov Shohrukhmirzo Fattoh Ugli; Netti Siska Nurhayati; Tulaboyev Azamjon Qurbonovich
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 7 No. 4 (2026): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v7i4.10865

Abstract

As digital finance has grown quickly in the Society 5.0 environment, decentralized financial instruments have become much more popular. But current cross-border systems often have operational problems that keep millions of people who don't have bank accounts from being part of global financial networks. This study seeks to ascertain university students' perceptions of cryptocurrency as a mechanism to improve financial inclusion and governmental transparency. A structured survey was administered to 40 university students employing a quantitative descriptive research design to assess their attitudes towards blockchain-based financial frameworks. The study is theoretically founded on the Technology Acceptance Model (TAM), emphasizing Perceived Usefulness. The results show that people have a very positive view of cryptocurrency's role in future financial systems (Mean: 3.72) and how quickly and clearly it can process transactions. The literature talks about theoretical risks, but the results show that students mostly think about the systemic benefits and cost-effectiveness of digital assets. This research offers policymakers significant insights into the incorporation of cryptocurrencies to lower administrative expenses and enhance economic engagement. This research enhances the literature by highlighting the socio-governmental utility of cryptocurrencies, rather than considering them merely as speculative assets.
Co-Authors Abdul Aziz, Nor Farradila Ammar, Muflih Asrifah, Cici Budhi Pamungkas Gautama, Budhi Cici Asrifah Ciptagustia, Annisa Endah Fitriyani harisandi, Prasetyo Heny Hendrayati Ilma Indriasri Pratiwi Imas Purnamasari Khotamov Shohrukhmirzo Fattoh Ugli Krishna Yuliawati, Ayu Maya Sari Miftahuddin, S.Si.,MAB., asep Nada Kirana Octavia Nugraha Nugraha Nugraha Perdana, Yoga Rahayu, Siscania Yoanita Permata Siscania Yoanita Permata Rahayu Sri Utami Widyaningrum Teguh Sandjaya Tia Yuliawati Tulaboyev Azamjon Qurbonovich