| Issue |
E3S Web Conf.
Volume 426, 2023
The 5th International Conference of Biospheric Harmony Advanced Research (ICOBAR 2023)
|
|
|---|---|---|
| Article Number | 02003 | |
| Number of page(s) | 5 | |
| Section | Innovative Management and Sustainable Society | |
| DOI | https://doi.org/10.1051/e3sconf/202342602003 | |
| Published online | 15 September 2023 | |
The Impact of Digital Literacyon Fintech Service Usage Through Financial Literacy
Management Department, BINUS Business School Undergraduate Program, Bina Nusantara University, Jakarta, Indonesia 11480
* Corresponding author: mulyono@binus.ac.id
The Covid-19 pandemic and lockdown have accelerated the pace of digital technology adoption and fintech services usage. Digital and financial literacy are needed to support the development of fintech services. This research proposes to study the influence of digital literacy on fintech services usage through financial literacy on college students. The data were collected through a questionnaire filled out by 165 respondents consisting of undergraduate students and postgraduate students and processed using SmartPLS statistics software. The variables used are digital literacy, financial literacy, and fintech service usage, and a moderator variable is education level. The result of the study is that the influence of digital literacy on fintech services usage through financial literacy is positive and significant. Similarly, the effect of digital literacy on financial technology usage moderated by education level is positive and significant. Therefore, introducing digital literacy and financial literacy in class subjects is needed so the students can take optimal benefits from the development of fintech.
© The Authors, published by EDP Sciences, 2023
This is an Open Access article distributed under the terms of the Creative Commons Attribution License 4.0, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
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