Article Per Year (5 Year)
p-Index From 2021 - 2026
0.444
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This Author published in this journals
All Journal Journal of Economic Education and Entrepreneurship Studies Indonesian Journal of Business and Entrepreneurship Research
Emelia Rahmadany Putri Gami
Universitas Muslim Nusantara Al Washliyah, Indonesia
Economics, Econometrics & Finance Social Sciences Other

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Financial Literacy and Income as Determinants of Digital Financial Application Usage Among Millennials Emelia Rahmadany Putri Gami; Ainun Mardhiyah; Iskandar Muda
Journal of Economic Education and Entrepreneurship Studies Vol. 6 No. 3 (2025)
Publisher : Department of Economics Education, Faculty of Economics, Universitas Negeri Makassar

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Abstract

Digital financial applications have become essential tools for transaction management, savings, payments, and investment activities, particularly among millennials who represent the highest adoption segment in the digital economy. This study examines the influence of financial literacy and income on digital financial application usage behavior among millennials. A quantitative explanatory design was employed, and data were collected from active users of digital financial platforms, including mobile banking, e-wallets, and online investment services. The dataset was analyzed using Structural Equation Modeling–Partial Least Squares (SEM–PLS) to assess both the measurement and structural components of the model. The measurement model exhibited strong reliability and validity, supported by high factor loadings, Composite Reliability values exceeding 0.89, and Average Variance Extracted (AVE) values above 0.73. Discriminant validity was confirmed through the Fornell–Larcker criterion and HTMT analysis. The structural model revealed that financial literacy significantly influences digital financial behavior (β = 0.389, t = 6.214, p < 0.001), emphasizing the role of knowledge, attitudes, and financial management capability in shaping responsible digital financial engagement. Income also demonstrated a significant positive effect (β = 0.334, t = 5.102, p < 0.001), indicating that greater economic capacity supports broader and more advanced use of digital financial tools. The model’s R² value of 0.472 indicates moderate predictive power, while a Q² value of 0.311 confirms strong predictive relevance. These findings underscore the importance of both cognitive and economic factors in cultivating safe, inclusive, and sustainable digital financial behavior among millennials.
The Effect of Digital Payment Innovation and Point Giving Marketing Strategy on Consumer Shopping Experience in the Culinary Industry Anton Susilo; Emelia Rahmadany Putri Gami; Yohanis Resa Surentu; Eka Dian Hikmayani Jufri
Indonesian Journal of Business and Entrepreneurship Research Vol. 2 No. 3 (2024): Vol. 2, No. 3, September 2024: Indonesian Journal of Business and Entrepreneurs
Publisher : Department of Business and Entrepreneurship, Faculty of Economics and Business, Universitas Negeri Makassar

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This study investigates the impact of digital payment innovation and point-of-sale marketing strategies on consumers' shopping experiences in the Yotta culinary industry. As companies strive to innovate and grow, understanding customer behavior and competitor capabilities becomes essential for achieving a competitive advantage. The study aims to: 1) Analyze the effect of digital payment innovation on consumer shopping experiences, 2) Assess the influence of point-of-sale marketing strategies, and 3) Examine the interaction between these factors. A descriptive analysis approach was utilized, with data collected from 35 questionnaires. The results indicate that digital payment innovation significantly affects consumer shopping experiences, with an average score of 35.80 and a standard deviation of 3.692. The point-of-sale marketing strategy also influences consumer experiences, reflected by an average score of 24.60 with a standard deviation of 2.746. The overall consumer shopping experience scored an average of 24.68 with a standard deviation of 2.598, suggesting that Yotta consumers are more inclined to choose digital payment options. The findings offer valuable insights for stakeholders aiming to enhance consumer satisfaction through innovative payment and marketing strategies.
Co-Authors Ainun Mardhiyah Anton Susilo Eka Dian Hikmayani Jufri Iskandar Muda Yohanis Resa Surentu