ANALYSIS OF THE INFLUENCE OF FINANCIAL LITERACY AND DIGITAL LITERACY ON THE DECISION TO USE DANA E-WALLET

Cahyo Pramono

Abstract


This study aims to determine the effect of Financial literacy and digital literacy on Fintech Payment on the Use of Funds. The number of samples used was 90 people, with a purposive sampling method. This study uses a quantitative research method processed through SPSS Version 25. The data analysis technique applied is multiple linear regression. The results of the analysis answer that Financial literacy has a positive and significant effect on Fintech Payment T count Financial literacy of 3.481> 1.661 and significance of 0.001 <0.05. Digital literacy has a positive and significant effect on Fintech Payment T count digital literacy of 3.125> 1.661 and significance of 0.002 <0.05. The results of the F test obtained Financial literacy and digital literacy together (simultaneously) have a positive effect on Fintech Payment (F count> F table 23.967> 0.20 at a significance of 0.000 <0.05). And the results obtained are a coefficient of determination of 34.0% Fintech Payment can be obtained and explained by Financial literacy and digital literacy while the remaining 0.66% is explained by variables outside the model studied.

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DOI: https://doi.org/10.31846/jae.v14i2.1094

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