Teknologi Keuangan (Fintech) dan Inklusi Keuangan Terhadap Perilaku Keuangan
Main Article Content
Abstract
Teknologi keuangan (fintech) telah berperan penting dalam meningkatkan inklusi keuangan dengan memperluas akses terhadap layanan keuangan digital. Inovasi ini memungkinkan masyarakat, terutama di wilayah yang sebelumnya kurang terjangkau, untuk berpartisipasi dalam sistem keuangan formal. Namun, adopsi teknologi keuangan tidak hanya bergantung pada aksesibilitas, tetapi juga dipengaruhi oleh perilaku keuangan individu, termasuk literasi keuangan, kepercayaan terhadap teknologi, dan kebiasaan dalam mengelola keuangan. Penelitian ini menganalisis hubungan antara teknologi keuangan, inklusi keuangan, dan perilaku keuangan serta faktor-faktor yang memengaruhi adopsi layanan keuangan digital. Hasil penelitian diharapkan dapat memberikan wawasan bagi pemangku kepentingan dalam merancang kebijakan dan strategi guna mendorong pemanfaatan teknologi keuangan secara optimal untuk meningkatkan inklusi dan kesejahteraan finansial masyarakat.
Downloads
Article Details
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
References
Adkisson, R. (2008). Nudge: Improving Decisions About Health, Wealth and Happiness, R.H. Thaler, C.R. Sunstein. Yale University Press, New Haven (2008), 293 pp. The Social Science Journal, 45, 700–701. https://doi.org/10.1016/j.soscij.2008.09.003
Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211. https://doi.org/10.1016/0749-5978(91)90020-T
Arner, D. W., Barberis, J. N., & Buckley, R. P. (2015). The Evolution of Fintech: A New Post-Crisis Paradigm? (SSRN Scholarly Paper No. 2676553). Social Science Research Network. https://doi.org/10.2139/ssrn.2676553
Beck, T., Demirgüç-Kunt, A., & Levine, R. (2007). Finance, inequality and the poor. Journal of Economic Growth, 12(1), 27–49. https://doi.org/10.1007/s10887-007-9010-6
Bernoulli.pdf. (n.d.). Retrieved March 7, 2025, from https://econ.ucsb.edu/~tedb/Courses/GraduateTheoryUCSB/Bernoulli.pdf
Chen, H., Volpe, R. P., & Pavlicko, J. J. (2021). Financial literacy and investment decisions: Evidence from the United States. Journal of Financial Counseling and Planning, 32(1), 1-15. - Search results
Delis, D., & Lestari, E. (2024). Pengaruh Penggunaan Financial Technology Dan Media Sosial Terhadap Peningkatan Pendapatan UMKM Di Kota Batam. Economics and Digital Business Review, 5(1), Article 1. https://doi.org/10.37531/ecotal.v5i1.986
Ding, N., Gu, L., & Peng, Y. (2022). Fintech, financial constraints and innovation: Evidence from China. Journal of Corporate Finance, 73, 102194. https://doi.org/10.1016/j.jcorpfin.2022.102194
Gomber, P., Koch, J.-A., & Siering, M. (2017). Digital Finance and Fintech: Current Research and Future Research Directions (SSRN Scholarly Paper No. 2928833). Social Science Research Network. https://papers.ssrn.com/abstract=2928833
Gupta, K. (2020). Investigating consumer intention to adopt mobile payment systems: An Indian perspective. International Journal of Technology Transfer and Commercialisation. https://www.academia.edu/89480689/Investigating_consumer_intention_to_adopt_mobile_payment_systems_an_Indian_perspective
Hasan, M., Le, T., & Hoque, A. (2021). How Does Financial Literacy Impact on Inclusive Finance Financial Innovation, 7, Article No. 40. - References—Scientific Research Publishing. (n.d.). Retrieved March 7, 2025, from https://www.scirp.org/reference/referencespapers?referenceid=3549223
Lestari, E. (1945). FINANCIAL LITERACY AND FINANCIAL RESOURCES RETIREMENT.
Lestari, E. (2023). FINANCIAL LITERACY AND FINANCIAL RESOURCES RETIREMENT. International Conference On Economics Business Management And Accounting (ICOEMA), 2, 290–298. https://conference.untag-sby.ac.id/index.php/icoema/article/view/2999
Lusardi, A., & Mitchell, O. S. (n.d.). The Economic Importance of Financial Literacy: Theory and Evidence.
Modigliani, F., & Brumberg, R. (1955). Utility analysis and the consumption function: An interpretation of cross-section data. Post-Keynesian Economics.
Rogers, E. M. (2003) diffusion of Innovations. (n.d.).
Ozili, P. K. (2022). Financial inclusion and sustainable development: An empirical association. (2024).
Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User Acceptance of Information Technology: Toward a Unified View. (2024). ResearchGate. https://doi.org/10.2307/30036540
Prospect theory: An analysis of decision under risk. (1979). Econometrica, 47(2), 263–291. https://doi.org/10.1017/CBO9780511609220.014
Shaikh, A. A., & Karjaluoto, H. (2015). Mobile banking adoption: A literature review. Telematics and Informatics, 32(1), 129–142. https://doi.org/10.1016/j.tele.2014.05.003
Shefrin, H., & Statman, M. (1984). The Disposition to Sell Winners too Early and Ride Losers too Long. Journal of Finance, 40, 777–790.
Demirgüç-Kunt, A., Klapper, L., Singer, D., & Van Oudheusden, P. (2018). Measuring Financial Inclusion and the Fintech Revolution | Request PDF. (n.d.). ResearchGate. Retrieved March 7, 2025,
World Bank. (2020). The Global Findex Database 2021. (n.d.). Retrieved March 7, 2025, from https://www.worldbank.org/en/publication/globalfindex
Christensen, C. M. (1997). The Innovator’s Dilemma: When New Technologies Cause Great Firms to Fail—Book—Faculty & Research—Harvard Business School. (n.d.). Retrieved March 7, 2025, from https://www.hbs.edu/faculty/Pages/item.aspx?num=46
Von Neumann, J., & Morgenstern, O. (1944). Theory of games and economic behavior (pp. xviii, 625). Princeton University Press.
Yeolencia, E., & Lestari, E. (2024). The Role of Financial Attitude in Mediating The Relationship Between Financial Knowledge and Financial Management Behavior in Batam City. JEM17: Jurnal Ekonomi Manajemen, 9(2). https://doi.org/10.30996/jem17.v9i2.12249