Pengaruh Digital Financial Literacy, FoMO, Performance Expectancy dan Effort Expectancy Terhadap Use Behavior Pada Digital Payment (Studi Pada Generasi Z di Kota Palembang)
DOI:
https://doi.org/10.31851/jmwe.v22i2.19584Abstract
ABSTRAK
Perkembangan teknologi yang makin pesat telah mendorong banyak perubahan terutama pada sistem pembayaran yang semula menggunakan pembayaran secara langsung telah beralih menjadi pembayaran digital. Penelitian ini menyelidiki faktor-faktor yang dapat mempengaruhi perilaku penggunaan dalam mengadopsi layanan pembayaran digital. Tujuan dari penelitian ini adalah untuk mengetahui bagaimana pengaruh Digital Financial Literacy, FoMO, Performance Expectancy dan Effort Expectancy terhadap Use Behavior Digital Payment Generasi Z di Kota Palembang. Teknik pengumpulan data yang digunakan adalah accidental sampling dengan pengumpulan data dari 96 responden. Analisis data dilakukan menggunakan Partial Least Square Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa Digital Financial Literacy dan FoMO tidak memiliki pengaruh yang signifikan terhadap Use Behavior, sedangkan Performance Expectancy dan Effort Expectancy memiliki pengaruh positif dan signifikan terhadap Use Behavior Digital Payment Generasi Z di Kota Palembang. Temuan penelitian ini berkontribusi terhadap pencapaian United Nations Sustainable Development Goals (UN SDGs) nomor 8, yang terkait dengan pertumbuhan ekonomi yang berkelanjutan melalui akses keuangan digital.
Kata Kunci: Pembayaran Digital, FoMO, Literasi Keuangan Digital, Perilaku Penggunaan, SDG 8.
ABSTRACT
The rapid development of technology has driven many changes, especially in the payment system, which originally used direct payments and has switched to Digital Payments. This study investigates the factors that can influence Use Behavior in adopting Digital Payment services. The purpose of this study was to determine how the influence of Digital Financial Literacy, FoMO, Performance Expectancy and Effort Expectancy on the Use Behavior of Digital Payment Generation Z in Palembang, Indonesia. The data collection technique used was accidental sampling with data collection from 96 respondents. Data analysis was performed using Partial Least Square Structural Equation Modeling (PLS-SEM). The results showed that Digital Financial Literacy and FoMO did not have a significant influence on Use Behavior, while Performance Expectancy and Effort Expectancy had a positive and significant influence on the Use Behavior of Digital Payments for Generation Z in Palembang. The findings of this study contribute to the achievement of United Nations Sustainable Development Goals (UN SDGs) number 8, which is related to sustainable economic growth through digital financial access.
Keywords : Digital Payment, FoMO, Digital Financial Literacy, Use Behavior, SDG8.
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