Financial Literacy dan Usage of E-Payment: Peran Spending Behavior Terhadap Financial Well-Being pada Young Adults
DOI:
https://doi.org/10.62710/701xet88Keywords:
financial literacy, financial well-being, spending behavior, usage of e-payment, young adultsAbstract
Penelitian ini bertujuan untuk mengkaji pengaruh financial literacy dan usage of e-payment terhadap financial well-being, dengan spending behavior sebagai variabel mediasi pada kelompok young adults di wilayah Jabodetabek. Financial literacy dalam studi ini mencakup aspek pengetahuan, sikap, dan perilaku finansial, sementara usage of e-payment dianalisis dari frekuensi, jenis transaksi, kemudahan, dan manfaat yang dirasakan. Spending behavior dibedakan menjadi perilaku pengeluaran yang bertanggung jawab dan tidak bertanggung jawab, yang berperan dalam menjembatani hubungan antara literasi keuangan dan kesejahteraan finansial. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei melalui kuesioner online, dan dianalisis menggunakan teknik Structural Equation Modeling (SEM). Hasil penelitian menunjukkan bahwa financial literacy dan usage of e-payment berpengaruh positif dan signifikan terhadap financial well-being, baik secara langsung maupun melalui spending behavior sebagai mediator.
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