Effect of Financial Literacy and Use of Financial Technology (FinTech) on Financial Behavior

Social Science Studies Pub Date : 2024-07-26 DOI:10.47153/sss44.10882024

Rifki Hidayat, Aceng Kurniawan

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Abstract

Research Aims: Analyzing the Influence of Financial Literacy and the Use of Financial Technology (FinTech) on Financial Behavior in Bandung Regency Micro, Small and Medium Enterprises (MSMEs). Design/methodology/approach: This research uses a quantitative approach through correlational methods. Research Findings: The research results found: 1). Financial literacy has a positive and significant effect on financial behavior variables. 2). The use of financial technology (FinTech) has a positive and significant effect on financial behavior variables. 3). Financial literacy and the use of financial technology (FinTech) positively and significantly affect the financial behavior of micro, small and medium enterprises (MSMEs) in Bandung Regency. Theoretical Contribution/Originality: Further increase knowledge of financial management by actively participating in workshops or seminars related to financial management, insurance, investment and business fund management. And increasing financial technology (FinTech) knowledge by orienting to the latest news regarding technological developments in up-to-date financial products and services.

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金融知识和金融科技（FinTech）的使用对金融行为的影响

研究目的：分析金融扫盲和金融科技（FinTech）的使用对万隆地区中小微企业（MSMEs）金融行为的影响。设计/方法/途径：本研究采用相关方法进行定量研究。研究结果：研究结果发现：1）.金融知识对金融行为变量有积极而显著的影响。2).金融科技（FinTech）的使用对金融行为变量有积极而显著的影响。3).金融扫盲和金融科技（FinTech）的使用对万隆地区中小微型企业（MSMEs）的金融行为有积极而显著的影响。理论贡献/原创性：通过积极参加与财务管理、保险、投资和企业资金管理相关的讲习班或研讨会，进一步提高财务管理知识。通过了解有关最新金融产品和服务技术发展的最新消息，增加金融技术（FinTech）知识。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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Social Science Studies

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