PENGARUH LITERASI KEUANGAN, MANFAAT, KEMUDAHAN, RISIKO DAN KEPERCAYAAN TERHADAP PENGGUNAAN FINTECH MASYARAKAT MADIUN

Maula Leny Setyoningsih, Liliek Nur Sulistiyowati

Abstract


According to Bank Indonesia, Financial Technology is a combination of technology and finance that aims to transform conventional business into moderate business. This study is entitled "The Influence of Financial Literacy, Perceived Benefits, Convenience, Perceived Risk, and Trust in the Use of Financial Technology in the Madiun Community (Studies on Gopay e-money users, DANA and OVO in the Madiun Community). The purpose of this study was to determine the effect of financial literacy, perceived benefits, convenience, perceived risks and trust in the use of financial technology. This research uses quantitative methods. The population in this study is the community. The data collection technique in this study used a purposive sampling technique, with the respondent criteria being Madiun residents aged 17-45 years and using e-money Gopay, DANA and OVO which were taken as many as 385 respondents. The results of the study show that financial literacy has a negative and significant effect on the use of financial technology. Perceived Benefits, Convenience and Trust have a positive and significant effect on the use of financial technology. Meanwhile, Perception of Risk has a negative and insignificant effect on the use of financial technology in the Madiun community.

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