Pengaruh Financial Technology terhadap Indeks Literasi Keuangan Generasi Milenial Jabodetabek di Era Covid-19
Abstract
Pemberlakuan PPKM di wilayah Jabodetabek secara tidak langsung telah
mengubah gaya hidup masyarakat dari beraktivitas di luar menjadi di dalam rumah.
Di era pandemi Covid-19 ini tentunya para generasi milenial sangat terkena
dampaknya karena mereka terpaksa harus berkuliah dan bekerja secara daring
(work from home) sehingga mereka lebih sering berinteraksi dengan gawai dan
internet dalam melakukan kegiatan keuangan maupun non-keuangan. Kondisi ini
dapat digunakan sebagai peluang untuk meningkatkan tingkat literasi keuangan
digital melalui fintech bagi para generasi milenial. Oleh sebab itu, tujuan dari
penelitian ini adalah untuk mengetahui (1) tingkat penggunaan fintech generasi
milenial Jabodetabek, (2) tingkat literasi keuangan generasi milenial Jabodetabek,
dan (3) pengaruh penggunaan fintech terhadap tingkat literasi keuangan generasi
milenial Jabodetabek di era Covid-19. Penelitian dilakukan pada 200 responden
berusia 25-40 tahun yang berdomisili di Jabodetabek. Analisis data menggunakan
metode regresi linear berganda dengan SPSS 25. Hasil penelitian menunjukkan
terdapat pengaruh antara penggunaan financial technology risk and investment
management dan financial technology payment, settlement, and clearing terhadap
tingkat literasi keuangan. The implementation of the PPKM in Jabodetabek area has indirectly changed
people's lifestyles from doing activities outside to being indoors. In this era of the
Covid-19 pandemi, of course, the millennial generation is greatly affected because
they are forced to study and work online (work from home) so that they interact
more often with devices and the internet in carrying out financial and non-financial
activities. This condition can be used as an opportunity to increase the level of
digital financial literacy through fintech for the millennial generations. Therefore,
the purpose of this study is to find out (1) the level of use of fintech for the
Jabodetabek millennial generations, (2) the level of financial literacy of the
Jabodetabek millennial generations, and (3) the influence of the use of fintech on
the level of financial literacy of the Jabodetabek millennial generations in the
Covid-19 era. 19. The study was conducted on 200 respondents aged 25-40 years
who live in Greater Jakarta. Data analysis using multiple linear regression analysis
method. The results of the study show there is an influence between the use of
financial technology risk and investment management dan financial technology
payment, settlement, and clearing on the level of financial literacy
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- UT - Management [3433]