THE INFLUENCE OF FINANCIAL LITERACY, FINANCIAL TECHNOLOGY AND GENDER TO FINANCIAL INCLUSION ON KEDIRI CITY, EAST JAVA SOCIETY

Financial inclusion is one of the interesting discussions in global economic development. Indonesia is a country in ASEAN that has had the most rapid increase in financial inclusion in recent years. In the era of the Industrial Revolution 4.0, everyone is required to be able to follow the development of existing technology and information. This study aims to determine the influence of independent variables (financial literacy, financial technology, gender) on the dependent variable (financial inclusion) in the City of Kediri, East Java society.. This study is a causality study with quota sampling. The data of this study is quantitative by collecting data by questionnaire. The data analysis technique used is multiple linear regression. The result of this study based on t statistical tests shows that financial literacy has a positive effect on financial inclusion. While the variables of financial technology, and gender did not affect financial inclusion. Based on the statistical test F, all of the independent variables simultaneously influence the dependent variable (financial inclusion).