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The Effect of Ease of Transaction, Digital Literacy, and Financial Literacy on The Use of E-Banking

Economic Education Analysis Journal · Vol. 10 No. 2 (2021) · pp. 298–309

DOI
10.15294/eeaj.v10i2.39335
ISSN
2502-356X, 2252-6544
Published
2021-05-31
Publisher
Universitas Negeri Semarang
Language
eng

Abstract

This study aimed to analyze the effect of ease of transaction, digital literacy, and financial literacy on the use of e-banking. This type of research was quantitative research. The population in this study were 298 students. By using purposive sampling technique a sample of 40 Accounting Education students at State University of Surabaya was obtained. Data collection techniques used questionnaires and multiple choice tests. The data analysis technique used was multiple linear regression analysis with the help of SPSS software version 24. The result showed that both simultaneouly and partially ease of transaction, digital literacy, and financial literacy had a significant effect on the use of e-banking.

Collaboration network of the authors

40 authors · 73 co-authorship links · 3 across different organisations · showing the 40 most connected

Hover or tap a name to highlight its co-authors. Double-click to open the author's page.

  • Institut Agama Islam Negeri Kendari
  • State University of Semarang
  • Universitas Sembilanbelas November Kolaka
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
Show as table
Co-authorOrganisationJoint articles
Abdul HalimInstitut Agama Islam Negeri Kendari1
Dewi AtikahInstitut Agama Islam Negeri Kendari1
Sucitra Juliana EmsilInstitut Agama Islam Negeri Kendari1
Waode NurcahyanaAffiliation unknown1
Anggriani FusvitaAffiliation unknown1
irin aprilin janharAffiliation unknown1
Firdayanti FirdayantiAffiliation unknown1
Sernita SernitaAffiliation unknown1
Angriani FusvitaAffiliation unknown1
Bobi AnggriawanAffiliation unknown1
Sahlan TampubolonAffiliation unknown1
Aroon Fritz Ogest MalauAffiliation unknown1
Nur Hasanah SafeiInstitut Agama Islam Negeri Kendari1
Jihan Fatikah RaihanaAffiliation unknown1
Agung ListiadiAffiliation unknown1
Reza Ayu PalupiAffiliation unknown1
Palupiningdyah PalupiningdyahAffiliation unknown1
Zaenuri ZaenuriState University of Semarang1
Scolastika MarianiState University of Semarang1
Suharyo SuharyoAffiliation unknown1
Mohammad ZulkarnainAffiliation unknown1
Rostika FloraAffiliation unknown1
Ega GradiniAffiliation unknown1
Yuant TiandhoAffiliation unknown1
Meri HamdiniAffiliation unknown1
Diana Novita SariAffiliation unknown1
Siti FatimahAffiliation unknown1
Kompri KompriAffiliation unknown1
Wulan Anna PertiwiAffiliation unknown1
Tri Kurniati SAffiliation unknown1
Tria Rahma IsnainiAffiliation unknown1
Yunila SukmaAffiliation unknown1
Ignatius Soni KurniawanAffiliation unknown1
Mohammad Ahyar Syafwan IsyanderAffiliation unknown1
M. IkhsanUniversitas Sembilanbelas November Kolaka1
Safitri SafitriAffiliation unknown1
Anwar AnwarAffiliation unknown1
Muhammad Zaki MubarakAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/sju/index.php/eeaj/oai, first harvested 5 Nov 2026, last seen 5 Nov 2026.
Original metadata (oai_dc) 
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	<dc:title xml:lang="en-US">The Effect of Ease of Transaction, Digital Literacy, and Financial Literacy on The Use of E-Banking</dc:title>
	<dc:creator>Munari, Shinta Aprilia Lucki Hidayati</dc:creator>
	<dc:creator>Susanti, Susanti</dc:creator>
	<dc:description xml:lang="en-US">This study aimed to analyze the effect of ease of transaction, digital literacy, and financial literacy on the use of e-banking. This type of research was quantitative research. The population in this study were 298 students. By using purposive sampling technique a sample of 40 Accounting Education students at State University of Surabaya was obtained. Data collection techniques used questionnaires and multiple choice tests. The data analysis technique used was multiple linear regression analysis with the help of SPSS software version 24. The result showed that both simultaneouly and partially ease of transaction, digital literacy, and financial literacy had a significant effect on the use of e-banking.</dc:description>
	<dc:publisher xml:lang="en-US">Universitas Negeri Semarang</dc:publisher>
	<dc:date>2021-05-31</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
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	<dc:type xml:lang="en-US">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.unnes.ac.id/sju/eeaj/article/view/39335</dc:identifier>
	<dc:identifier>10.15294/eeaj.v10i2.39335</dc:identifier>
	<dc:source xml:lang="en-US">Economic Education Analysis Journal; Vol 10 No 2 (2021): Economic Education Analysis Journal; 298-309</dc:source>
	<dc:source>2502-356X</dc:source>
	<dc:source>2252-6544</dc:source>
	<dc:source>10.15294/eeaj.v10i2</dc:source>
	<dc:language>eng</dc:language>
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