PENGARUH LITERASI KEUANGAN, PERLINDUNGAN DATA, DAN CYBERSECURITY TERHADAP PENGGUNAAN FINANCIAL TECHNOLOGY

Authors

  • Dian Widiyati Universitas Pamulang
  • Erliana Universitas Pamulang

DOI:

https://doi.org/10.29407/jae.v9i1.21945

Keywords:

financial technology, literasi keuangan, perlindungan data, cybersecurity

Abstract

This study aims to test and analyze how the influence of financial literacy, data protection and cybersecurity on the use of financial technology. The independent variables in this study are financial literacy, data protection and cybersecurity, while the dependent variable in this study is the use of financial technology. This research is a quantitative research using primary data in the form of questionnaires. The population of this study is students of the Faculty of Economics and Business, Pamulang University. The sampling technique uses convenience sampling techniques so that a research sample of 134 respondents was obtained. The analysis tool used in this study is Smart-PLS. The results of this study are that financial literacy does not affect the use of financial technology, data protection has a positive effect on the use of financial technology and cybersecurity has a positive effect on the use of financial technology.

References

Anantadjaya, S. P., Setiawan, B. A., Violin, V., Moridu, I., & Bailusy, M. N. (2023). Exploring Financial Technology’s Impact on Generation Z Transaction Knowledge. Jurnal Scientia, 12(03), 3945–3951.
Haqiqi, A. F. Z., & Pertiwi, T. K. (2022). Pengaruh Financial Technology, Literasi Keuangan dan Sikap Keuangan terhadap Perilaku Keuangan Generasi Z di Era Pandemi Covid-19 pada Mahasiswa UPN “Veteran” Jawa Timur. SEIKO : Journal of Management & Business, 5(2), 2022–2355. https://doi.org/10.37531/sejaman.v5i2.2301
Kusumawardhany, S. S., Yunita Kurnia Shanti, Khoirunnisa Azzahra, Baiq Fitri Arianti, & Anggun Putri Romadhina. (2021). Penerapan Literasi Keuangan Dalam Memahami Financial Technology. SULUH: Jurnal Abdimas, 2(2), 151–160. https://doi.org/10.35814/suluh.v2i2.1544
Maulidya, N. (2023). Pengaruh Persepsi Kemudahan, Risiko dan Efektivitas terhadap Minat Masyarakat Menggunakan Platform Crowdfunding Berbasis QR Code. Journal of Comprehensive Islamic Studies, 1(2), 325–354. https://doi.org/10.56436/jocis.v1i2.146
Mauliza, A. Y. I., Machmudi, R. D. S., & Indrarini, R. (2022). Pengaruh Perlindungan Data Dan Cyber Security Terhadap Tingkat Kepercayaan Menggunakan Fintech Masyarakat Di Surabaya. SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan, 1(11), 2497–2516. https://doi.org/10.54443/sibatik.v1i11.395
Ong, V., & MN, N. (2022). Pengaruh Persepsi Risiko, Persepsi Kemudahan, dan Literasi Keuangan terhadap Minat Penggunaan Linkaja. Jurnal Manajerial Dan Kewirausahaan, 4(2), 516. https://doi.org/10.24912/jmk.v4i2.18259
Rahadjeng, E. R., Pratikto, H., Mukhlis, I., & Restuningdiah, N. (2023). Analysis of Financial Technology, Financial Literacy, Financial Attitudes, on Mediated Business Performance Financial Inclusion and Self-Efficiency in Small Medium Industry (SMI) in Malang City, Indonesia. International Journal of Professional Business Review, 8(8), e03041. https://doi.org/10.26668/businessreview/2023.v8i8.3041
Sholehah, M. A., Mubyarto, N., & Habriyanto, H. (2022). Pengaruh Pengetahuan, Efektivitas Dan Risiko Terhadap Minat Bertransaksi Menggunakan Financial Technology Pada Masyarakat Kota Jambi. SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan, 2(1), 337–348. https://doi.org/10.54443/sibatik.v2i1.551
Syahrani, T., & Pradesa, E. (2023). Peran Literasi Keuangan dan Inklusi Keuangan Dalam Meningkatkan Penggunaan Financial Technology Pada UMKM. Ekonomi, Keuangan, Investasi Dan Syariah (EKUITAS), 4(3), 1003–1010. https://doi.org/10.47065/ekuitas.v4i3.2985

Downloads

PlumX Metrics

Published

2024-03-22

How to Cite

Widiyati, D., & Erliana. (2024). PENGARUH LITERASI KEUANGAN, PERLINDUNGAN DATA, DAN CYBERSECURITY TERHADAP PENGGUNAAN FINANCIAL TECHNOLOGY. JAE (JURNAL AKUNTANSI DAN EKONOMI), 9(1), 130–141. https://doi.org/10.29407/jae.v9i1.21945

Issue

Vol. 9 No. 1 (2024): JURNAL AKUNTANSI DAN EKONOMI

Section

Volume 9 No. 1 Tahun 2024

License

Authors who publish with this journal agree to the following terms:

  1. Copyright on any article is retained by the author(s).
  2. The author grants the journal, right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgment of the work’s authorship and initial publication in this journal.
  3. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal’s published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
  4. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
  5. The article and any associated published material is distributed under the Creative Commons Attribution-ShareAlike 4.0 International License