Inklusi Keuangan dan Pengaruhnya terhadap Penggunaan Financial Technology Pada Generasi Milenial
(1) Universitas Negeri Padang  Indonesia
(2) Universitas Negeri Padang  Indonesia
Corresponding Author
DOI : https://doi.org/10.24036/011122790
Full Text: Language : en
Abstract
Financial inclusion is an increase in a person's understanding and ability to determine the required financial products or services that will increase the using of them. This study to investigated the relationship between financial inclusion to financial technology utilization of student in Universitas Negeri Padang. This study is quantitative by using questionnaire to get the primary data. The questionnaire was distributed to 300 students who understand financial management. After testing the hypothesis in this study using the Structural Equation Model (SEM), the results show that financial inclusion has a positive and significant relationship to financial technology.
Keywords
References
Alawi, N. M., Asih, V. S., & Sobana, D. H. (2020). Pengaruh Literasi Keuangan dan Inklusi Mahasiswa UIN Sunan Gunung Djati Bandung Terhadap Penggunaan Sistem Financial Technology. Jurnal Maps (Manajemen Perbankan Syariah). https://doi.org/10.32483/maps.v4i1.48
Ansori, M. (2019). Perkembangan dan Dampak Financial Technology (Fintech) terhadap Industri Keuangan Syariah di Jawa Tengah. Wahana Islamika: Jurnal Studi Keislaman.
Arner, D. W., Barberis, J. N., & Buckley, R. P. (2015). The Evolution of Fintech: A New Post-Crisis Paradigm? SSRN Electronic Journal. https://doi.org/10.2139/ssrn.2676553
Beck, T., Demirgüç-Kunt, A., & Honohan, P. (2009). Access to financial services: Measurement, impact, and policies. World Bank Research Observer. https://doi.org/10.1093/wbro/lkn008
Chehrazi, N., & Weber, T. A. (2015). Dynamic valuation of delinquent credit-card accounts. Management Science. https://doi.org/10.1287/mnsc.2015.2203
Chrismastianto, I. A. W. (2017). Analisis SWOT Implementasi Tekonologi Finansial terhadap Kualitas Layanan Perbankan di Indonesia. Jurnal Ekonomi Dan Bisnis. https://doi.org/10.24914/jeb.v20i1.641
Cui, A. S., & Wu, F. (2016). Utilizing customer knowledge in innovation: antecedents and impact of customer involvement on new product performance. Journal of the Academy of Marketing Science. https://doi.org/10.1007/s11747-015-0433-x
Deloitte. (2016). Disaggregating fintech: Brighter shades of disruption. Retrieved from New York:
Demirgüç-Kunt, A., & Klapper, L. (2013). Financial inclusion in Africa: an overview. African Development Bank.
Demirguc-Kunt, A., Klapper, L., Singer, D., Ansar, S., & Hess, J. (2018). The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution. In The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution. https://doi.org/10.1596/978-1-4648-1259-0
Drummer, D., Jerenz, A., Siebelt, P., & Thaten, M. (2016). FinTech – Challenges and Opportunities How digitization is transforming the financial sector. McKinsey & Company.
Gomber, P., Kauffman, R. J., Parker, C., & Weber, B. W. (2018). On the Fintech Revolution: Interpreting the Forces of Innovation, Disruption, and Transformation in Financial Services. Journal of Management Information Systems. https://doi.org/10.1080/07421222.2018.1440766
Grebe, M., Mönter, N., Noakes, B., De T’serclaes, J.-W., Wade, B., & Walsh, I. (2016). Banking on Digital Simplicity - Global retail Banking 2016. Boston Consulting Group.
Gulamhuseinwala, I., Bull, T., & Lewis, S. (2015). FinTech is gaining traction and young, high-income users are the early adopters. Journal of Financial Perspectives.
Hasudungan, Samuel. (2019). Literasi, Inklusi Keuangan, Penggunaan Produk Fintech dan Perilaku Investasi Pada Generasi Millenial Jabodetabek. Institute Pertanian Bogor (IPB)
Heap, T., & Pollari, I. (2015). FINTECH 100 - Leading Global Fintech Innovators Report 2015. Accessed 10th October 2016.
Hutabarat, F. (2018). Pengaruh literasi keuangan dan financial technology terhadap inklusi keuangan pada masyarakat jabodetabek. Institut Pertanian Bogor.
Jaya, I. M. L. M. (2019). The Impact of Financial Inclusion on Public Financial Services Education through Financial Technology in Sleman Regency, Indonesia. Esensi: Jurnal Bisnis Dan Manajemen. https://doi.org/10.15408/ess.v9i2.13576
Kempson, E., Atkinson, A., & Pilley, O. (2004). Policy Level Response to Financial Exclusion in Developed Economies: Lessons for Developing Countries. In Report of Personal Finance Research Centre, University of Bristol.
Leong, K. (2018). FinTech (Financial Technology): What is It and How to Use Technologies to Create Business Value in Fintech Way? International Journal of Innovation, Management and Technology. https://doi.org/10.18178/ijimt.2018.9.2.791
Lestari, S. (1970). LITERASI KEUANGAN SERTA PENGGUNAAN PRODUK DAN JASA LEMBAGA KEUANGAN. Fokus Bisnis : Media Pengkajian Manajemen Dan Akuntansi. https://doi.org/10.32639/fokusbisnis.v14i2.45
Nengsih, N. (2015). Peran Perbankan Syariah Dalam Mengimplementasikan Keuangan Inklusif di Indonesia. ETIKONOMI. https://doi.org/10.15408/etk.v14i2.2272
Nicoletti, B. (2017). The Future of Fintech: Integrating Finance and Technology in Financial Services. In Artificial Intelligence for .NET: Speech, Language, and Search.
Ningrum, D. K. (2018). ANALISIS PENGARUH INKLUSI KEUANGAN TERHADAP PERTUMBUHAN EKONOMI, KEMISKINAN DAN KETIMPANGAN DI JAWA TIMUR PERIODE TAHUN 2011- 2015. In Jurnal Ilmiah Mahasiswa FEB.
Ozili, P. K. (2018). Impact of digital finance on financial inclusion and stability. Borsa Istanbul Review. https://doi.org/10.1016/j.bir.2017.12.003
Pinto Ferreira, J. J., Mention, A.-L., & Torkkeli, M. (2015). Illumination in times of Uncertainty: Fifty Shades of Innovation for Societal Impact. Journal of Innovation Management. https://doi.org/10.24840/2183-0606_003.001_0001
Prawirasasra, K. P. (2018). Financial technology in Indonesia: disruptive or collaborative? Reports on Economics and Finance. https://doi.org/10.12988/ref.2018.818
Ramji, M. (2009). Financial Inclusion in Gulbarga: Finding Usage in Access. Institute for Financial Management and Research Centre for Micro Finance Working Paper.
Rusdianasari, F. (2018). Peran Inklusi Keuangan melalui Integrasi Fintech dalam Stabilitas Sistem Keuangan Indonesia. Jurnal Ekonomi Kuantitatif Terapan. https://doi.org/10.24843/jekt.2018.v11.i02.p10
Sarma, M. (2012). Index of financial inclusion – A measure of financial sector inclusiveness. Berlin Working Papers on Money, Finance and Trade Development.
Sarma, M., & Pais, J. (2008). Financial Inclusion and Development: A Cross Country Analysis. In Annual Conference of the Human Development and Capability Association, New Delhi. https://doi.org/10.1002/jid
Sarma, M., & Pais, J. (2011). Financial inclusion and development. Journal of International Development. https://doi.org/10.1002/jid.1698
Schneider, L. E. E. A., Shaul, M. A. X., & Lascelles, C. K. (2016). Regulatory Priorities for FinTech Firms — and Investors — in the Coming Year. Journal of Taxation and Regulation of Financial Institutions.
Skan, J., Dickerson, J., & Gagliardi, L. (2016). Fintech and the evolving landscape: landing points for the industry. Accenture.
Supartoyo, Y. H., Tatuh, J., & Sendouw, R. H. E. (2014). The Economic Growth and the Regional Characteristics : The Case of Indonesia. Buletin Ekonomi Moneter Dan Perbankan. https://doi.org/10.21098/bemp.v16i1.435
Varga, D. (2017). Fintech, the new era of financial services. Vezetéstudomány / Budapest Management Review. https://doi.org/10.14267/veztud.2017.11.03
Wilson, J. D. (2017). Creating Strategic Value through Financial Technology. In Creating Strategic Value through Financial Technology. https://doi.org/10.1002/9781119318682
Article Metrics
Abstract Views : 2285 timesPDF Downloaded : 880 times
Refbacks
- There are currently no refbacks.
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.