Article Per Year (5 Year)
p-Index From 2021 - 2026
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All Journal Journal of Accounting and Finance Management (JAFM) Jurnal Ar Ro'is Mandalika (Armada)
Setiadi, Hendri
Unknown Affiliation
Religion Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics

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Financial Knowledge Financial Attitudes and Personality as Key Determinants of Financial Management Behavior Among Young Adults Phang, Michelle; Tannia, Tannia; Dovir Siratan, Elkunny; Novindra Idroes, Ferry; Setiadi, Hendri
Journal of Accounting and Finance Management Vol. 6 No. 6 (2026): Journal of Accounting and Finance Management (January - February 2026)
Publisher : DINASTI RESEARCH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jafm.v6i6.2995

Abstract

This study examines determinants of financial management behavior among Indonesian youth aged, a productive cohort that is central to economic resilience yet faces persistent challenges in budgeting, saving regularity, and long-term planning. Building on behavioral finance perspectives, the framework integrates financial knowledge, financial attitude, and personality to address a documented research gap in Indonesian youth contexts where cognitive explanations are often examined without sufficient integration of affective and psychological factors. Using a quantitative survey design with a five-point Likert scale, data were collected from 435 purposively selected respondents meeting criteria related to age, residence, income/allowance, and active financial management experience. Data were analyzed in SPSS (v25) through instrument testing and multiple regression procedures (validity, reliability, t-test, F-test, and model fit indices). The result is intended to inform youth-focused financial education and policy initiatives by emphasizing integrated interventions that strengthen literacy, cultivate constructive attitudes, and support self-regulatory development through practical learning.
Adaptive Banking Strategies to Address Embedded Finance Disruption in Digital Commerce Platforms Tahu, Gregorius Paulus; Setiadi, Hendri; Verawati, Yenny
Jurnal Ar Ro'is Mandalika (Armada) Vol. 6 No. 3 (2026): JURNAL AR RO'IS MANDALIKA (ARMADA)
Publisher : Institut Penelitian dan Pengembangan Mandalika Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59613/armada.v6i3.6264

Abstract

This study explores the impact of embedded finance disruption on traditional banking institutions within digital commerce platforms. The rapid integration of financial services such as payments, lending, and insurance into e-commerce platforms poses both challenges and opportunities for banks. The aim of this research is to identify adaptive strategies that banks can adopt to remain competitive in the face of this disruption. Using a library-based research methodology, data was collected from secondary sources, including books, academic journals, and industry reports. The findings reveal that banks are increasingly leveraging open banking, APIs, and digital transformation strategies to integrate their services into digital platforms. However, challenges related to regulatory compliance, data privacy, and organizational resistance remain significant barriers. In conclusion, banks must embrace innovation, collaborate with fintech companies, and develop flexible, customer-centric solutions to thrive in the evolving digital finance ecosystem.
Co-Authors Gregorius Paulus Tahu Novindra Idroes, Ferry Phang, Michelle Siratan, Elkunny Dovir Tannia, Tannia Yenny Verawati