FINTECH PAYMENT ABILITY FOR MSME ACTIVITIES OF THE BABY BOOMERS GENERATION IN SOUTH TANGERANG CITY
##plugins.themes.EpsilonTheme.article.main##
Shalsa Azzahra*
Sri Indah Nikensari
Saparuddin Mukhtar
Advances in technology in the financial sector, namely fintech payments in the current digital era, can be a challenge to adapt in everyday life. And it is undeniable that the generation that grew up with technology has very different expectations and experiences in using digital media than previous generations. This study aims to determine the effect of digital economic literacy and financial inclusion on the ability to use fintech payments through financial inclusion for the MSMEs of the baby boomers generation based on valid data. Data collection was carried out in this study using quantitative techniques with data analysis techniques Path Analysis through questionnaires. The number of samples studied were 160 SMEs of the baby boomers generation in South Tangerang City in 2022. The research variable data was in the form of primary data consisting of the ability to use fintech payments (Y), digital economic literacy (X1) and financial inclusion (X2). The results of the study show that digital economic literacy has a positive effect on the ability to use fintech payments; financial inclusion has a positive effect on the ability to use fintech payments; digital economic literacy has an indirect effect on the ability to use fintech payments through financial inclusion.
Andyni, N., & Kurniasari, F. (2021). Pengaruh Literasi dan Efikasi Disi Terhadap Inklusi Keuangan pada Penggunaan Layanan Pembayaran Digital Shopee Pay di Jabodetabek. Derema Jurnal Manajemen, 16(1), 128–140.
Fajar, M., & Larasati, C. (2021). Peran Financial Technology (Fintech) dalam Perkembangan UMKM di Indonesia: Peluang dan Tantangan. Humanis (Humanities, Management and Science Proceedings), 1(2).
Fitriani, H. (2018). Kontribusi fintech dalam meningkatkan keuangan inklusif pada pertanian (Studi analisis melalui pendekatan keuangan syariah dengan situs peer to peer lending pada pertanian di Indonesia). El-Barka: Journal of Islamic Economics and Business, 1(1), 1–26.
Fozard, J. L., & Wahl, H.-W. (2012). Age and cohort effects in gerontechnology: A reconsideration. Gerontechnology.
Ifa, K., & Muttaqien, F. (2018). Pengaruh transformasi struktural pertanian terhadap kemiskinan dan ketimpangan pendapatan di Indonesia Tahun 1980-2014. Proseding Seminar Nasional Manajemen Dan Bisnis III (SNMB3), 3(1).
Iman, N. (2019). Traditional banks against fintech startups: A field investigation of a regional bank in Indonesia. Banks and Bank Systems, 14(3), 20–33.
Indonesian Ministry of Finance. (2020). UMKM Bangkit, Ekonomi Indonesia Terungkit. Indonesian Ministry of Finance. https://www.djkn.kemenkeu.go.id/artikel/baca/13317/UMKM-Bangkit-Ekonomi-Indonesia-Terungkit.html
Lusardi, A., & Mitchell, O. S. (2011). Financial Literacy and Retirement Preparedness: Evidence and Implications for Financial Education Programs. SSRN Electronic Journal. https://doi.org/10.2139/ssrn.957796
Marginingsih, R. (2021). Financial Technology (Fintech) Dalam Inklusi Keuangan Nasional di Masa Pandemi Covid-19. Moneter-Jurnal Akuntansi Dan Keuangan, 8(1), 56–64.
Nugraheni, A. I. P., Pancawati, N., & Yuda, N. P. (2022). Hambatan Generasi Baby Boomers dalam Mengadopsi Dompet Digital di Indonesia. Jurnal Ilmiah Universitas Batanghari Jambi, 22(1), 417–421.
Palinggi, S., & Allolinggi, L. R. (2019). Analisa Deskriptif Industri Fintech di Indonesia: Regulasi dan Keamanan Jaringan dalam Perspektif Teknologi Digital. Ekonomi Dan Bisnis UPNVJ, 6(2), 177–192.
Pambudi, R. D. (2019). Perkembangan fintech di kalangan mahasiswa UIN Walisongo. Harmony: Jurnal Pembelajaran IPS Dan PKN, 4(2), 74–81.
Purba, J., Samuel, S., & Budiono, S. (2021). Collaboration of digital payment usage decision in COVID-19 pandemic situation: Evidence from Indonesia. International Journal of Data and Network Science, 5(4), 557–568.
Rahardjo, B., Ikhwan, K., & Siharis, A. K. (2019). Pengaruh financial technology (fintech) terhadap perkembangan UMKM di Kota Magelang. Prosiding Seminar Nasional Fakultas Ekonomi Untidar 2019.
Rais, N. S. R., Dien, M. M. J., & DIEN, A. Y. (2018). Kemajuan teknologi informasi berdampak pada generalisasi unsur sosial budaya bagi generasi milenial. Jurnal Mozaik, 10(2), 61–71.
Ramadani, D. F., & Syariati, A. (2020). Ekonomi Digital dan Persaingan Usaha sebagai Pendorong Pendapatan UMKM di Kota Makassar. ICOR: Journal of Regional Economics, 1(1).
Roberto, A., & Jaka, W. (2018). Memahami Inklusi Keuangan. Sekolah Pascasarjana Universitas Gadjah Mada.
Rumondang, A., Sudirman, A., Effendy, F., Simarmata, J., & Agustin, T. (2019). Fintech: Inovasi Sistem Keuangan di Era Digital. Yayasan Kita Menulis.
Sari, A. N., & Kautsar, A. (2020). Analisis Pengaruh Literasi Keuangan, Financial Technology, dan Demografi terhadap Inklusi Keuangan pada Masyarakat di Kota Surabaya. Jurnal Ilmu Manajemen, 8(4), 1233–1246.
Sugiarti, E. N., Diana, N., & Mawardi, M. C. (2019). Peran fintech dalam meningkatkan literasi keuangan pada Usaha Mikro Kecil Menengah di Malang. Jurnal Ilmiah Riset Akuntansi, 8(04).
Wijoyo, H., Cahyono, Y., Ariyanto, A., & Wongso, F. (2020). Digital economy dan pemasaran era new normal. Insan Cendekia Mandiri.
Yulianasari, N., & Mahrina, H. (2021). Pengaruh Penggunaan Fintechterhadap Perkembangan Literasi Dan Inklusi Keuangan Pada UMKM Di Kota Bengkulu. Creative Research Management Journal, 4(1), 92–105.
