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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) · pp. 120–131

DOI
10.34306/att.v7i1.494
ISSN
2656-8888, 2655-8807
Published
2025-02-24
Publisher
Pandawan
Language
en
License
creativecommons.org/licenses/by/4.0

Abstract

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.

Keywords

Collaboration network of the authors

40 authors · 112 co-authorship links · 1 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.

  • University of Science and Technology Beijing
  • Universitas Raharja
  • State University of Semarang
  • Universitas Nahdlatul Ulama Kalimantan Selatan
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
Show as table
Co-authorOrganisationJoint articles
Rozirwan RozirwanAffiliation unknown2
Wike Ayu Eka PutriAffiliation unknown2
Redho Yoga NugrohoAffiliation unknown2
Che Abd Rahim MohamedAffiliation unknown2
Tengku Zia UlqodryAffiliation unknown2
Eli SumarliahUniversity of Science and Technology Beijing1
Kamila UsmanovaUniversity of Science and Technology Beijing1
Kawther MousaUniversity of Science and Technology Beijing1
Rodia SyamwilAffiliation unknown1
Wulansari Agus HaerudinAffiliation unknown1
Ayun MaduwinartiAffiliation unknown1
Cristino GusmaoAffiliation unknown1
I.G.N. Andhika MahendraAffiliation unknown1
Aswadi JayaAffiliation unknown1
Lily MariaAffiliation unknown1
Qurotul AiniUniversitas Raharja1
Untung RahardjaAffiliation unknown1
Agung RizkyAffiliation unknown1
Jonathan ParkerAffiliation unknown1
Paroli ParoliAffiliation unknown1
Oktia Woro Kasmini HandayaniState University of Semarang1
Fitri Nur PadilahAffiliation unknown1
May NurkhodijahAffiliation unknown1
Ristha Eka AprilliaAffiliation unknown1
Riva Nur ArrafahAffiliation unknown1
Tobi PitoraAffiliation unknown1
Ofan SofianAffiliation unknown1
Joseph JosephAffiliation unknown1
Hartoni HartoniUniversitas Nahdlatul Ulama Kalimantan Selatan1
A AgussalimAffiliation unknown1
Muhtadi MuhtadiAffiliation unknown1
Nadila Nur KhotimahAffiliation unknown1
Riris AryawatiAffiliation unknown1
Ning Intan LestariAffiliation 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://att.aptisi.or.id/index.php/att/oai, first harvested 6 Nov 2026, last seen 8 Nov 2026.
Original metadata (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>