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Innovation Business Management and Accounting Journal
Published by Trescode Green Organization
ISSN : 28288599     EISSN : 28292111     DOI : 10.56070/ibmaj
Core Subject :
Innovation Business Management and Accounting Journal is a multidisciplinary international journal in the fields of entrepreneurial innovation, business practice, management, and accounting. Innovation Business Management and Accounting Journal published four times in year: January-March, April-June, July-September, October-December. E-ISSN: 2829-2111, P-ISSN 2828-8599. Focus and Scope - Entrepreneurial Innovation, Business Development, Economic Improvement, Organizational Behavior, Human Resource Management, Marketing Management, Operating Management, Strategic Management, Financial Management, Behavioral Accounting, Public Accounting, Accounting Information System, Banking Account, Management Accounting, Sharia Accounting, Auditing.
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Articles 141 Documents
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Educated but Still Borrowing? Financial Literacy and Perceived Ease of Use in Shaping Generation Z's Online Loan Intention in Bandung Nedia Rahma Yusandi; Nanda Ravenska; Hafid Aditya Pradesa; Nur Imam Taufik
Innovation Business Management and Accounting Journal Vol. 5 No. 2 (2026): April - June
Publisher : Trescode Green Organization

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56070/ibmaj.v5i2.409

Abstract

The rapid digital transformation of the financial sector in Bandung City has heightened concerns regarding the proliferation of online loan applications among tech-savvy youth. This study investigates the complex behavioral mechanisms driving Generation Z's intention to use online loans by examining the dual roles of Financial Literacy and Perceived Ease of Use. Grounded in an extended Technology Acceptance Model, this research addresses critical theoretical inconsistencies in prior literature regarding whether financial knowledge universally suppresses credit adoption. Utilizing a sequential explanatory mixed-methods design, the quantitative phase gathered data from 105 self-earning Generation Z respondents through purposive sampling, analyzed via Partial Least Squares Structural Equation Modeling (PLS-SEM) in SmartPLS 4. This was complemented by a qualitative phase involving in-depth interviews with four key informants to contextualize the statistical outcomes.The empirical findings reveal a striking behavioral dichotomy: Financial Literacy exerts a significant negative effect on usage intention (beta = -0.403, p = 0.043), demonstrating that robust financial knowledge functions as an internal cognitive safeguard that fosters deliberate restraint and risk awareness. Conversely, Perceived Ease of Use emerges as the strongest positive predictor (beta = 0.554, p = 0.000), indicating that frictionless platform designs and rapid disbursement actively bypass risk perception and stimulate borrowing intentions. Together, these two exogenous variables account for 25.0% of the variance in usage intention (R2 = 0.250). Qualitative insights reinforce that while literacy cultivates cautious evaluation, platform accessibility encourages impulsive adoption. To bridge the gap between cognitive restraint and technological convenience, this study introduces the strategic "CAKAP PINJOL" policy recommendation framework, designed for the Indonesian Financial Services Authority (OJK) and educational institutions to fortify digital financial literacy and ethical fintech platform governance.

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