MDP Student Conference
Vol 5 No 1 (2026): The 5th MDP Student Conference 2026

Digital Financial Literacy, Behavioral Intention, and Financial Inclusion

Johny Budiman (Unknown)
Candy Candy (Unknown)
Amelia Andita (Unknown)
Errina Ati (Unknown)
Dhamma Vicaya Putri (Unknown)
Larventy Larventy (Unknown)
Michelle Nataline Tu (Unknown)

Article Info

Publish Date
19 Mar 2026

Abstract

This study examines the effects of Digital Financial Literacy (DFL) and Mobile Perceived Financial Cost (MPFC) on Digital Financial Inclusion (DFI), with Behavioral Intention (BI) and Use behavior (UB) as mediating variables. Using a quantitative approach, data were collected from 203 mobile fintech users in Batam City and analyzed with PLS-SEM. The results show that DFL has a positive and significant effect on BI, which subsequently influences UB and enhances DFI. BI and UB act as mediating variables, while MPFC has no significant effect on fintech usage. These findings emphasize the importance of digital financial literacy in promoting digital financial inclusion.

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Journal Info
MDP Student Conference
Website

Abbrev

msc

Publisher

Universitas Multi Data Palembang

Subject

Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Electrical & Electronics Engineering

Description

MDP Student Conference is a one-year national conference organized by the Universitas Multi Data Palembang. We are inviting teachers, lecturers, researchers, scholars, students, and or other key stakeholders to present and discuss their latest findings, innovations, and best practices as well as ...