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Oikonomia : Journal of Management Economics and Accounting
Published by PT Hafasy Dwi Nawasena
ISSN : -     EISSN : 3047602X     DOI : https://doi.org/10.61942/oikonomia.v3i1
Core Subject : Economy,
Economics, Econometrics & Finance
Oikonomia Journal: Journal of Management Economics and Accounting publishes conceptual, review and research papers related to business and economics. Oikonomia: Journal of Management Economics and Accounting has a focus and scope that includes: Economics Management Accounting Finance Business management Marketing Strategic management Islamic banking and finance Auditing
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 91 Documents
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Fintech and Risk Literacy: Understanding User Awareness of Digital Financial Risks Afrizal, Afrizal
Oikonomia : Journal of Management Economics and Accounting Vol. 3 No. 3 (2026): Oikonomia - May
Publisher : PT. Hafasy Dwi Nawasena

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61942/oikonomia.v3i3.585

Abstract

The rapid growth of financial technology (fintech) has transformed financial transactions while simultaneously introducing new risks such as digital fraud, data breaches, overspending, and financial vulnerability. This study aims to analyze how users understand digital financial risks based on their level of digital financial literacy and how this understanding influences their behavior in using fintech services. The research employs a quantitative explanatory design with data collected through an online questionnaire distributed to active fintech users. The data were analyzed using Structural Equation Modeling (SEM-PLS) to examine the relationships between digital financial literacy, risk perception, and fintech usage behavior. The findings reveal that digital financial literacy has a significant positive effect on risk perception and fintech usage behavior. Risk perception also significantly influences user behavior and partially mediates the relationship between literacy and behavior. These results indicate that users with higher literacy levels are more capable of recognizing risks and engaging in more responsible and informed financial practices. In conclusion, digital financial literacy plays a critical role in shaping users’ understanding of financial risks and promoting safer, more sustainable fintech usage.

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