Analisis Pengaruh Adopsi Teknologi Finansial, Kepercayaan Nasabah, dan Regulasi Terhadap Penggunaan Layanan Keuangan Digital

Penulis

  • Loso Judijanto IPOSS Jakarta, Indonesia
  • Rina Destiana Universitas Swadaya Gunung Jati
  • Eko Sudarmanto Universitas Muhammadiyah Tangerang
  • Ida Ayu Putri Suprapti Universitas Mataram Indonesia
  • Iwan Harsono Universitas Mataram Indonesia

DOI:

https://doi.org/10.58812/jakws.v3i01.906

Kata Kunci:

Fintech, Kepercayaan Nasabah, Persepsi Regulasi, Keuangan Digital, Mediasi

Abstrak

Penelitian ini menyelidiki hubungan yang rumit antara adopsi Teknologi Finansial (Fintech), Kepercayaan Nasabah, Persepsi Regulasi, dan Penggunaan Layanan Keuangan Digital. Sampel yang terdiri dari 150 orang yang secara aktif terlibat dalam layanan keuangan digital diteliti dengan menggunakan pendekatan kuantitatif yang komprehensif. Statistik deskriptif, analisis faktor konfirmatori, dan pemodelan persamaan struktural digunakan untuk menilai hubungan dan kecocokan model. Hasilnya menunjukkan hubungan positif yang signifikan antara Adopsi Fintech dan Penggunaan Layanan Keuangan Digital, yang dimediasi oleh Kepercayaan Konsumen. Selain itu, Persepsi Regulasi yang positif juga ditemukan mempengaruhi Kepercayaan Nasabah dan Penggunaan Layanan Keuangan Digital. Studi ini memberikan wawasan yang berharga bagi para pembuat kebijakan, lembaga keuangan, dan penyedia Fintech, yang menekankan pentingnya kerangka kerja regulasi, kepercayaan pengguna, dan desain yang berpusat pada pengguna dalam mendorong adopsi layanan keuangan digital secara luas.

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Unduhan

Diterbitkan

2024-01-30

Cara Mengutip

Judijanto, L., Destiana, R., Sudarmanto, E., Suprapti, I. A. P., & Harsono, I. (2024). Analisis Pengaruh Adopsi Teknologi Finansial, Kepercayaan Nasabah, dan Regulasi Terhadap Penggunaan Layanan Keuangan Digital. Jurnal Akuntansi Dan Keuangan West Science, 3(01), 20–28. https://doi.org/10.58812/jakws.v3i01.906

Terbitan

Vol 3 No 01 (2024): Jurnal Akuntansi dan Keuangan West Science

Bagian

Artikel

Lisensi

Hak Cipta (c) 2024 Loso Judijanto, Rina Destiana, Eko Sudarmanto, Ida Ayu Putri Suprapti, Iwan Harsono

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