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Role of Financial Literacy and Saving Habits on Fintech Adoption post Covid-19

ETIKONOMI · Vol. 23 No. 1 (2024) · hlm. 63–80

DOI
10.15408/etk.v23i1.37856
ISSN
2461-0771, 1412-8969
Terbit
2024-04-11
Penerbit
Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah Jakarta
Bahasa
eng

Abstrak

Research Originality: This research paper enriches existing literature on drivers of fintech adoption, including the impact of perceived trust, individual innovativeness, savings habits, and government support on Indonesian users' post-COVID-19 pandemic fintech adoption intentions.Research Objectives: This study examines the impact of post-covid changes in people's behaviour, savings habits and accelerated financial literacy on strengthening Technology Adoption Model (TAM) among Indonesian fintech users. Research Methods: The researchers surveyed 536 people living in Indonesia. The data was analysed using structural equation modelling with moderator variables. Empirical Results: It found that ease of use, usefulness, trust and personal innovativeness are key drivers of adoption intentions. The research also found that savings habits significantly increase the influence of government support on fintech adoption. Implications: This research has two important implications. First, digital finance companies should further improve fintech app service quality and security. Second, the government should also encourage the expansion of a fintech-based startup ecosystem by providing regulatory support to accelerate the progress of Indonesia's digital finance industry.JEL Classification: M21, G23, O36How to Cite:Nugraha, D. P., Setiawan, B., Emilda, E., Masyhuri, M., Quynh, M. N., Nathan, R. J., Fekete-Farkas, M., & Hagen, I. (2024). Role of Financial Literacy and Saving Habits on Fintech Adoption post Covid-19. Etikonomi, 23(1), 63 – 80. https://doi.org/10.15408/etk.v23i1.37856.

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Ahsana NadiyyaState University of Semarang1
Gresika Bunga SylvanaCity University of New York1
franky okto bernandoSekolah Tinggi Agama Buddha Negeri Sriwijaya Tangerang Banten1
Pringgondani PringgondaniSekolah Tinggi Agama Buddha Negeri Sriwijaya Tangerang Banten1
Faozan AmarUniversitas Muhammadiyah Prof Dr Hamka1
Sumardi SumardiSebelas Maret University1
Mohammed EnshassiMultimedia University1
Soekmawati SoekmawatiMultimedia University1
Usama Al‐mulaliSohar University1
Hishamuddin IsmailMultimedia University1

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Sumber metadata: OAI-PMH (metadata jurnal) http://journal.uinjkt.ac.id/index.php/etikonomi/oai, pertama di-harvest 8 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Role of Financial Literacy and Saving Habits on Fintech Adoption post Covid-19</dc:title>
	<dc:creator xml:lang="en">Nugraha, Deni Pandu</dc:creator>
	<dc:creator xml:lang="en">Setiawan, Budi</dc:creator>
	<dc:creator xml:lang="en">Emilda, Emilda</dc:creator>
	<dc:creator xml:lang="en">Masyhuri, Muhammad</dc:creator>
	<dc:creator xml:lang="en">Quynh, Mac Nhu</dc:creator>
	<dc:creator xml:lang="en">Nathan, Robert Jeyakumar</dc:creator>
	<dc:creator xml:lang="en">Fekete‐Farkas, Maria</dc:creator>
	<dc:creator xml:lang="en">Hágen, István</dc:creator>
	<dc:subject xml:lang="en">behavioral intention</dc:subject>
	<dc:subject xml:lang="en">consumer behavior</dc:subject>
	<dc:subject xml:lang="en">TAM</dc:subject>
	<dc:subject xml:lang="en">fintech</dc:subject>
	<dc:subject xml:lang="en">habits</dc:subject>
	<dc:description xml:lang="en">Research Originality: This research paper enriches existing literature on drivers of fintech adoption, including the impact of perceived trust, individual innovativeness, savings habits, and government support on Indonesian users' post-COVID-19 pandemic fintech adoption intentions.Research Objectives: This study examines the impact of post-covid changes in people's behaviour, savings habits and accelerated financial literacy on strengthening Technology Adoption Model (TAM) among Indonesian fintech users. Research Methods: The researchers surveyed 536 people living in Indonesia. The data was analysed using structural equation modelling with moderator variables. Empirical Results: It found that ease of use, usefulness, trust and personal innovativeness are key drivers of adoption intentions. The research also found that savings habits significantly increase the influence of government support on fintech adoption. Implications: This research has two important implications. First, digital finance companies should further improve fintech app service quality and security. Second, the government should also encourage the expansion of a fintech-based startup ecosystem by providing regulatory support to accelerate the progress of Indonesia's digital finance industry.JEL Classification: M21, G23, O36How to Cite:Nugraha, D. P., Setiawan, B., Emilda, E., Masyhuri, M., Quynh, M. N., Nathan, R. J., Fekete-Farkas, M., &amp;amp; Hagen, I. (2024). Role of Financial Literacy and Saving Habits on Fintech Adoption post Covid-19. Etikonomi, 23(1), 63 – 80. https://doi.org/10.15408/etk.v23i1.37856.</dc:description>
	<dc:publisher xml:lang="en">Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah Jakarta</dc:publisher>
	<dc:date>2024-04-11</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.uinjkt.ac.id/index.php/etikonomi/article/view/37856</dc:identifier>
	<dc:identifier>10.15408/etk.v23i1.37856</dc:identifier>
	<dc:source xml:lang="en">ETIKONOMI; Vol. 23 No. 1 (2024); 63-80</dc:source>
	<dc:source>2461-0771</dc:source>
	<dc:source>1412-8969</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.uinjkt.ac.id/index.php/etikonomi/article/view/37856/pdf</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2024 Deni Pandu Nugraha, Budi Setiawan, Emilda Emilda, Muhammad Masyhuri, Mac Nhu Quynh, Robert Jeyakumar Nathan, Maria Fekete‐Farkas, István Hágen</dc:rights>
</oai_dc:dc>