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Role of Personal Savings in Financial Tech Impact on Family Planning in Indonesia

Aptisi Transactions on Technopreneurship (ATT) · Vol. 7 No. 1 (2025) · hlm. 120–131

DOI
10.34306/att.v7i1.494
ISSN
2656-8888, 2655-8807
Terbit
2025-02-24
Penerbit
Pandawan
Bahasa
en
Lisensi
creativecommons.org/licenses/by/4.0

Abstrak

The study explored the impact of financial technology (FinTech) on family financial planning (FFP) among young families in Indonesia, with a focus on Personal Saving Orientation (PSO) as a moderating variable. Financial technology has significantly transformed personal financial management, enabling better access to tools for budgeting, tracking, and saving. However, its direct impact on FFP remains underexplored, especially in developing countries like Indonesia.This research aims to analyze the role of FinTech in shaping financial behaviors and examine PSO moderating influence on the relationship between FinTech adoption and FFP. The study employed a quantitative approach using Structural Equation Modeling (SEM) to analyze data collected from 217 young families. The variables examined include PSO, FinTech adoption, and FFP. The findings reveal that FinTech positively impacts PSO (estimate = 0.799, p-value = 0.000), highlighting its role in improving financial habits and saving behaviors. While the direct relationship between FinTech and FFP is not significant (p-value > 0.05), PSO effectively enhances FinTech influence on FFP, emphasizing its critical role as a moderating factor. This study underscores the importance of integrating PSO into financial strategies to optimize the benefits of FinTech, particularly for young families. These findings provide practical insights for FinTech developers to design tools that promote saving behaviors and for policymakers to encourage financial literacy and inclusion. By aligning with Sustainable Development Goals (SDGs), this research contributes to poverty reduction, economic stability, and financial well-being.

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  • University of Science and Technology Beijing
  • Universitas Raharja
  • State University of Semarang
  • Universitas Nahdlatul Ulama Kalimantan Selatan
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Rozirwan RozirwanAfiliasi tidak diketahui2
Wike Ayu Eka PutriAfiliasi tidak diketahui2
Redho Yoga NugrohoAfiliasi tidak diketahui2
Che Abd Rahim MohamedAfiliasi tidak diketahui2
Tengku Zia UlqodryAfiliasi tidak diketahui2
Eli SumarliahUniversity of Science and Technology Beijing1
Kamila UsmanovaUniversity of Science and Technology Beijing1
Kawther MousaUniversity of Science and Technology Beijing1
Rodia SyamwilAfiliasi tidak diketahui1
Wulansari Agus HaerudinAfiliasi tidak diketahui1
Ayun MaduwinartiAfiliasi tidak diketahui1
Cristino GusmaoAfiliasi tidak diketahui1
I.G.N. Andhika MahendraAfiliasi tidak diketahui1
Aswadi JayaAfiliasi tidak diketahui1
Lily MariaAfiliasi tidak diketahui1
Qurotul AiniUniversitas Raharja1
Untung RahardjaAfiliasi tidak diketahui1
Agung RizkyAfiliasi tidak diketahui1
Jonathan ParkerAfiliasi tidak diketahui1
Paroli ParoliAfiliasi tidak diketahui1
Oktia Woro Kasmini HandayaniState University of Semarang1
Fitri Nur PadilahAfiliasi tidak diketahui1
May NurkhodijahAfiliasi tidak diketahui1
Ristha Eka AprilliaAfiliasi tidak diketahui1
Riva Nur ArrafahAfiliasi tidak diketahui1
Tobi PitoraAfiliasi tidak diketahui1
Ofan SofianAfiliasi tidak diketahui1
Joseph JosephAfiliasi tidak diketahui1
Hartoni HartoniUniversitas Nahdlatul Ulama Kalimantan Selatan1
A AgussalimAfiliasi tidak diketahui1
Muhtadi MuhtadiAfiliasi tidak diketahui1
Nadila Nur KhotimahAfiliasi tidak diketahui1
Riris AryawatiAfiliasi tidak diketahui1
Ning Intan LestariAfiliasi tidak diketahui1

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Sumber metadata: OAI-PMH (metadata jurnal) https://att.aptisi.or.id/index.php/att/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Role of Personal Savings in Financial Tech Impact on Family Planning in Indonesia</dc:title>
	<dc:creator xml:lang="en">Cahyono, Dwi</dc:creator>
	<dc:creator xml:lang="en">Susbiyani, Arik</dc:creator>
	<dc:creator xml:lang="en">Lestari, Evi</dc:creator>
	<dc:creator xml:lang="en">Fauziyah, Fauziyah</dc:creator>
	<dc:creator xml:lang="en">Qomariah, Nurul</dc:creator>
	<dc:creator xml:lang="en">Guntur, Yohanes Sri</dc:creator>
	<dc:subject xml:lang="en">Fintech</dc:subject>
	<dc:subject xml:lang="en">Personal Saving Orientation</dc:subject>
	<dc:subject xml:lang="en">Family Financial Planning</dc:subject>
	<dc:subject xml:lang="en">Indonesia</dc:subject>
	<dc:subject xml:lang="en">Financial Technology</dc:subject>
	<dc:description xml:lang="en">The study explored the impact of financial technology (FinTech) on family financial planning (FFP) among young families in Indonesia, with a focus on Personal Saving Orientation (PSO) as a moderating variable. Financial technology has significantly transformed personal financial management, enabling better access to tools for budgeting, tracking, and saving. However, its direct impact on FFP remains underexplored, especially in developing countries like Indonesia.This research aims to analyze the role of FinTech in shaping financial behaviors and examine PSO moderating influence on the relationship between FinTech adoption and FFP. The study employed a quantitative approach using Structural Equation Modeling (SEM) to analyze data collected from 217 young families. The variables examined include PSO, FinTech adoption, and FFP. The findings reveal that FinTech positively impacts PSO (estimate = 0.799, p-value = 0.000), highlighting its role in improving financial habits and saving behaviors. While the direct relationship between FinTech and FFP is not significant (p-value &amp;gt; 0.05), PSO effectively enhances FinTech influence on FFP, emphasizing its critical role as a moderating factor. This study underscores the importance of integrating PSO into financial strategies to optimize the benefits of FinTech, particularly for young families. These findings provide practical insights for FinTech developers to design tools that promote saving behaviors and for policymakers to encourage financial literacy and inclusion. By aligning with Sustainable Development Goals (SDGs), this research contributes to poverty reduction, economic stability, and financial well-being.</dc:description>
	<dc:publisher xml:lang="en">Pandawan</dc:publisher>
	<dc:date>2025-02-24</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://att.aptisi.or.id/index.php/att/article/view/494</dc:identifier>
	<dc:identifier>10.34306/att.v7i1.494</dc:identifier>
	<dc:source xml:lang="en">Aptisi Transactions on Technopreneurship (ATT); Vol. 7 No. 1 (2025): March; 120–131</dc:source>
	<dc:source xml:lang="id">Aptisi Transactions On Technopreneurship (ATT); Vol 7 No 1 (2025): March; 120–131</dc:source>
	<dc:source>2656-8888</dc:source>
	<dc:source>2655-8807</dc:source>
	<dc:source>10.34306/att.v7i1</dc:source>
	<dc:language>en</dc:language>
	<dc:relation>https://att.aptisi.or.id/index.php/att/article/view/494/314</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2025 Dwi Cahyono Dwi, Arik Susbiyani, Evi Lestari; Fauziyah Fauziyah; Nurul Qomariah, Yohanes Sri Guntur</dc:rights>
	<dc:rights xml:lang="en">https://creativecommons.org/licenses/by/4.0</dc:rights>
</oai_dc:dc>