ANALYSIS OF THE IMPACT OF FINANCIAL LITERACY, PERCEIVED EASE OF USE AND PERCEIVED USEFULNESS ON THE EFFECTIVENESS OF PERSONAL FINANCIAL MANAGEMENT WITH TRUST AS A MEDIATING VARIABLE
Abstract
The current digital era has brought various innovations that have transformed the way personal finances are managed, especially through fintech platforms. The effectiveness of personal finance management plays a vital role in achieving financial well-being. This study aims to examine the relationship between financial literacy, perceived ease of use, perceived benefits, and trust in the effectiveness of personal finance management of MSMEs through the use of fintech e-wallets. This study applies a quantitative approach with an explanatory research type. The population in this study is MSMEs in the Malang city area by taking a sample of 150 respondents of MSMEs in Malang city who use fintech in the form of e-wallets in their business transactions. Data analysis in this study uses the Structural Equation Modeling approach with the Partial Least Square (SEM-PLS) method operated through SmartPLS 4 software. The results of this study indicate; First, Financial literacy has a significant positive effect on the effectiveness of personal finance management; Second, Ease of use has a significant positive effect on the effectiveness of personal finance management; Third, Perceived benefits have a significant positive effect on the effectiveness of personal finance management; Fourth, Trust is able to mediate the influence between financial literacy and the effectiveness of personal finance management; Fifth, Trust is able to mediate the influence between ease of use on the effectiveness of personal financial management; Sixth, Trust is able to mediate the influence between perceived benefits on the effectiveness of personal financial management.
References
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Arikunto, S. (2016). Prosedur Penelitian: Suatu Pendekatan Praktik. Jakarta: Rineka Cipta.
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Dharma, R., & Putri, A. (2023). Analisis Layanan Investasi Digital GoPay dalam Meningkatkan Literasi Keuangan. Jurnal Ekonomi Digital, 6(1), 45-58.
Evitasari, K., Ivana, N., & Usman, O. (2023). The Influence of Financial Literacy, Perceived Benefits, and Perceived Ease of Use on QRIS Usage Decision among Students in DKI Jakarta with Trust as a Mediating Variable. 1st International Students Conference on Business, Education, Economics, Accounting, and Management (ISC-BEAM 2023), 89– 112.
Febriani, L., & Waluyo, S. (2023). Perkembangan Asuransi Digital di Indonesia: Studi Kasus GoSure. Jurnal Manajemen Risiko, 4(2), 89-102.
Gefen, D., Karahanna, E., & Straub, D. W. (2003). Trust and TAM in online shopping: An integrated model. MIS Quarterly, 27(1), 51-90.
Ghozali, I. (2015). Partial Least Squares: Konsep, Teknik dan Aplikasi Menggunakan Program SmartPLS 3.0 (2nd ed.). Semarang: Badan Penerbit Universitas Diponegoro.
Gustantio, E. R., Setiawan, A., & Djajadikerta, H. (2024). Pengaruh Gaya Hidup Konsumtif, Financial Literacy, dan Persepsi Kemudahan Bertransaksi terhadap Penggunaan E-Wallet pada Generasi Z. INNOVATIVE: Journal Of Social Science Research, 4(3), 11261– 11273.
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Hidayat, R., Susanto, A., & Prasetyo, B. (2023). Dampak Fintech terhadap Inklusi Keuangan di Indonesia: Studi Kasus GoPay. Jurnal Ekonomi Digital, 5(2), 78-92.
Huston, S. J. (2010). Measuring financial literacy. Journal of Consumer Affairs, 44(2), 296- 316.
Jimenez, N., San-Martin, S., & Azuela, J. I. (2016). Trust and satisfaction: The keys to client loyalty in mobile commerce. Academia Revista Latinoamericana de Administración, 29(4), 486-510.
Kantika, I., Prasetyo, Y., & Wijaya, S. (2022). The impact of financial literacy on digital banking adoption: Trust as mediating variable. Journal of Banking Technology, 4(2), 167- 182.
Kartika, S. E. (2023). Analyzing factors affecting behavioral intention in e-wallet usage.
International Journal of Technology and Business Studies, 5(1), 45-59.
Kusuma, A., & Dewi, S. (2023). Perkembangan Layanan Fintech GoPay dalam Era Digital.
Jurnal Manajemen Teknologi, 8(1), 45-60.
Kusuma, R., Pratama, S., & Wijaya, H. (2023). Analisis Layanan Pinjaman Digital GoPayLater dalam Perspektif Manajemen Risiko. Jurnal Keuangan Digital, 5(2), 67-80.
Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5-44.
Maulana, R., & Zoraya, I. (2024). Pengaruh Perceived Ease Of Use, Kepercayaan dan Literasi Keuangan Terhadap Penggunaan ShopeePay pada Masyarakat Bengkulu. Jesya, 7(1), 640–654. https://doi.org/10.36778/jesya.v7i1.1442
Mayer, R. C., Davis, J. H., & Schoorman, F. D. (1995). An integrative model of organizational trust. Academy of Management Review, 20(3), 709-734.
Mutiara, D., & Priantinah, D. (2018). Analisis Penggunaan E-wallet di Indonesia. Jurnal Nominal, 7(1), 25-37.
Nangin, M. A., Barus, I. R. G., & Wahyoedi, S. (2020). The effects of perceived ease of use and perceived usefulness on customer satisfaction and trust in using e-wallet. Journal of Consumer Behavior Studies, 2(1), 1-11.
Naufaldi, I., & Tjokrosaputro, M. (2020). Pengaruh Perceived Ease of Use, Percieved Usefulness, dan Trust terhadap Intention To Use. Jurnal Manajerial Dan Kewirausahaan, 2(3), 715–722.
Nasution, N. H., & Munir, M. (2023). Analisis Faktor-Faktor yang Mempengaruhi Analisis Faktor-Faktor yang Mempengaruhi Minat Menggunakan Paylater dengan Religiusitas Sebagai Variabel Moderasi. Al-Buhuts, 19(1), 106–121.
Ningsih, S., Rahman, A., & Wijaya, S. (2023). Financial literacy and digital payment adoption: An empirical study. Journal of Financial Services Marketing, 28(1), 23-37.
Nugroho, A., & Susilowati, E. (2021). Perkembangan Fitur dan Layanan E-wallet di Indonesia.
Jurnal Sistem Informasi, 14(1), 23-36.
OECD. (2016). OECD/INFE International Survey of Adult Financial Literacy Competencies.Paris: OECD Publishing.
OECD. (2018). OECD/INFE toolkit for measuring financial literacy and financial inclusion.
OECD.Otoritas Jasa Keuangan (OJK). (2017). Strategi Nasional Literasi Keuangan Indonesia (Revisit 2017). Jakarta: OJK.
Permatasari, D., Nawirah, Sartika, F., & Setiani. (2024). EXPLORING THE ACCEPTANCE OF PEER-TO-PEER LENDING: A MAQASID SHARIAH PERSPECTIVE THROUGH THE TECHNOLOGY ACCEPTANCE MODEL. EL DINAR: Jurnal Keuangan Dan Perbankan Syariah, 12(2).
Potrich, A. C. G., Vieira, K. M., & Kirch, G. (2015). Determinants of financial literacy: Analysis of the influence of socioeconomic and demographic variables. Revista Contabilidade & Finanças, 26(69), 362-377.
Pratama, B., & Hidayat, R. (2023). Analisis Pembayaran Tagihan Digital melalui Platform GoPay. Jurnal Teknologi Finansial, 8(2), 156-169.
Pratama, R., & Sulistiyo, H. (2021). Transformasi Digital Payment di Indonesia: Studi Kasus GoPay. Jurnal Sistem Informasi, 13(2), 112-125.
Pratnyawati, G. D. T., & Mardiana. (2023). Pengaruh Shopeepaylater dan Literasi Keuangan terhadap Pembelian Impulsive pada Mahasiswa UIN Malang Jurusan Manajemen 2018- 2020. Jurnal Ekbis: Analisis, Prediksi, Dan Informasi, 24(1), 72–83.
Putri, N. A., Wijaya, S., & Rahman, A. (2023). Trust as mediating variable in digital financial services adoption. International Journal of Financial Technology, 4(2), 89-103.
Rahmatika, F., & Fajar, M. (2019). Adopsi E-wallet di Indonesia: Analisis Faktor-faktor yang Mempengaruhi. Jurnal Manajemen Bisnis, 10(2), 145-158.
Rahmawati, D., Santoso, B., & Putra, A. (2023). Evaluasi Layanan PayLater pada Platform Digital Payment. Jurnal Manajemen Keuangan, 6(1), 78-91.
Rizkyla, Z., Meuthia, R. F., & Rosita, I. (2024). The Influence of Perceived Ease of Use, Perceived Usefulness, and Trust as Intervening Variables on Interest in Using Digital Banks among Millennial Generation (Gen Y) & Generation Z (Gen Z). In Jurnal Riset Akuntansi Politala (Vol. 7, Issue 1). http://jra.politala.ac.id/index.php/JRA/index
Rogers, E. M. (1995). Diffusion of Innovations (4th ed.). New York: Free Press.
Santoso, M., & Rahman, F. (2022). Keamanan Transaksi Digital: Studi Kasus Transfer Dana GoPay. Jurnal Teknologi Informasi, 9(2), 145-158.
Sekaran, U., & Bougie, R. (2016). Research Methods for Business: A Skill Building Approach (7th ed.). Chichester: John Wiley & Sons.
Setiawan, B., Wibowo, A., & Sari, P. K. (2022). Merger Gojek-Tokopedia: Dampak terhadap Ekosistem Digital Indonesia. Jurnal Bisnis dan Ekonomi, 15(1), 67-82.
Sina, P. G., & Noya, A. (2012). Pengaruh kecerdasan spiritual terhadap pengelolaan keuangan pribadi. Jurnal Manajemen, 11(2), 171-188.
Statista. (2024). Digital payments in Indonesia. Statista Digital Market Outlook.
Sugiyono. (2016). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung: Alfabeta. Sugiyono. (2017). Metode Penelitian Pendidikan. Bandung: Alfabeta.
Sugiyono. (2018). Metode Penelitian Pendidikan: Pendekatan Kuantitatif, Kualitatif, dan R&D. Alfabeta.
Sukardi. (2015). Metodologi Penelitian Pendidikan: Kompetensi dan Praktiknya. Jakarta: Bumi Aksara.
Suseno, N. S., Ingawan, D. C., & Rosmayati, I. (2021). Identifikasi Behavioral Intention Dengan Pendekatan Technology Acceptance Model (Studi Kasus pada Pengguna Go-Pay di Kabupaten Garut). Jurnal Algoritma, 18(1), 292–301. http://jurnal.sttgarut.ac.id/
Tang, N., & Baker, A. (2016). Self-esteem, financial knowledge and financial behavior.
Journal of Economic Psychology, 54, 164-176.
Vernon, L., & See, P. (2022). Factors Influencing The Intention to Adopt E-Wallet: A Regional Distribution Perspective in Malaysia. JOURNAL OF BUSINESS AND SOCIAL SCIENCES, 1(16), 16. http://ipublishing.intimal.edu.my/jobss.html
Wasana, I. D. P. T. A., & Telagawathi, N. L. W. S. (2023). Pengaruh Kepercayaan dan Persepsi Kemudahan terhadap Minat Penggunaan ShopeePay sebagai Metode Pembayaran di E- Commerce Shopee (Studi Kasus pada Masyarakat Buleleng). Bisma: Jurnal Manajemen, 9(2), 127–135.
Wibowo, H., & Sari, P. (2023). Integrasi Sistem Pembayaran E-commerce: Analisis GoPay dan Tokopedia. Jurnal E-commerce Indonesia, 5(1), 34-47.
Widodo, M., Rahman, A., & Putra, S. (2020). Analisis Pengembangan E-wallet di Indonesia.
Jurnal Sistem Informasi, 12(3), 89-102.
Wijaya, H., & Sutanto, E. (2023). Implementasi Teknologi Blockchain dalam Sistem Pembayaran Digital: Studi Kasus GoPay. Jurnal Teknologi Informasi, 9(1), 34-48.
Wijaya, R., Susanto, A., & Pratama, H. (2022). Implementasi QRIS dalam Sistem Pembayaran Digital Indonesia. Jurnal Sistem Pembayaran, 7(2), 90-103
World Bank. (2023). Global financial inclusion report 2023. World Bank Group.
Yushita, A. N. (2017). Pentingnya literasi keuangan bagi pengelolaan keuangan pribadi.Nominal: Barometer Riset Akuntansi dan Manajemen, 6(1), 11-26.
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Agustino, L., Ujianto, & Yousida, I. (2021). Pengaruh Promosi, Persepsi Kemudahan, dan Persepsi Manfaat terhadap Minat Penggunaan E-Wallet dengan Kepercayaan sebagai Variabel Mediasi pada Pengguna E-Wallet di Kota Banjarmasin. KINDAI, 17(3), 401– 422.
Aisyiah, H. N., Prastiwi, S. K., & Rohimat, A. M. (2023). Can Perceived Usefulness and Online Experiences Affect ShopeePay Fintech Usage by Millennial Muslims? IQTISHODUNA: Jurnal Ekonomi Islam, 12(1), 103–122. https://doi.org/10.54471/iqtishoduna.v12i1.2146
Arifin, A. Z. (2018). Influence factors toward financial satisfaction with financial behavior as intervening variable on Jakarta area workforce. European Research Studies Journal, 21(1), 90-103.
Arikunto, S. (2016). Prosedur Penelitian: Suatu Pendekatan Praktik. Jakarta: Rineka Cipta.
Asmara, C. D., & Yuana, P. (2023). Pengaruh Literasi Keuangan dan Sikap Keuangan Terhadap Manajemen Keuangan Pribadi Pengguna E-Wallet. Jurnal Management Risiko Dan Keuangan, 2(4), 325–335. https://doi.org/10.21776/jmrk.2023.02.4.04
Bank Indonesia. (2023). Digital payment statistics report 2023. Bank Indonesia.
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319-340.
Dharma, R., & Putri, A. (2023). Analisis Layanan Investasi Digital GoPay dalam Meningkatkan Literasi Keuangan. Jurnal Ekonomi Digital, 6(1), 45-58.
Evitasari, K., Ivana, N., & Usman, O. (2023). The Influence of Financial Literacy, Perceived Benefits, and Perceived Ease of Use on QRIS Usage Decision among Students in DKI Jakarta with Trust as a Mediating Variable. 1st International Students Conference on Business, Education, Economics, Accounting, and Management (ISC-BEAM 2023), 89– 112.
Febriani, L., & Waluyo, S. (2023). Perkembangan Asuransi Digital di Indonesia: Studi Kasus GoSure. Jurnal Manajemen Risiko, 4(2), 89-102.
Gefen, D., Karahanna, E., & Straub, D. W. (2003). Trust and TAM in online shopping: An integrated model. MIS Quarterly, 27(1), 51-90.
Ghozali, I. (2015). Partial Least Squares: Konsep, Teknik dan Aplikasi Menggunakan Program SmartPLS 3.0 (2nd ed.). Semarang: Badan Penerbit Universitas Diponegoro.
Gustantio, E. R., Setiawan, A., & Djajadikerta, H. (2024). Pengaruh Gaya Hidup Konsumtif, Financial Literacy, dan Persepsi Kemudahan Bertransaksi terhadap Penggunaan E-Wallet pada Generasi Z. INNOVATIVE: Journal Of Social Science Research, 4(3), 11261– 11273.
Hadad, M. D. (2017). Financial technology (fintech) di Indonesia. Kuliah Umum tentang Fintech, Indonesia Banking School.
Hair, J. F., Black, W. C., Babin, B. J., & Anderson, R. E. (2010). Multivariate Data Analysis (7th ed.). Upper Saddle River, NJ: Prentice Hall.
Hair, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2017). A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM) (2nd ed.). Thousand Oaks, CA: Sage.
Hartono, B., & Susilo, D. (2023). Implementasi Sistem Pembayaran Digital untuk UMKM: Analisis GoPay Business. Jurnal Bisnis Digital, 7(1), 112-125.
Hidayat, R., Susanto, A., & Prasetyo, B. (2023). Dampak Fintech terhadap Inklusi Keuangan di Indonesia: Studi Kasus GoPay. Jurnal Ekonomi Digital, 5(2), 78-92.
Huston, S. J. (2010). Measuring financial literacy. Journal of Consumer Affairs, 44(2), 296- 316.
Jimenez, N., San-Martin, S., & Azuela, J. I. (2016). Trust and satisfaction: The keys to client loyalty in mobile commerce. Academia Revista Latinoamericana de Administración, 29(4), 486-510.
Kantika, I., Prasetyo, Y., & Wijaya, S. (2022). The impact of financial literacy on digital banking adoption: Trust as mediating variable. Journal of Banking Technology, 4(2), 167- 182.
Kartika, S. E. (2023). Analyzing factors affecting behavioral intention in e-wallet usage.
International Journal of Technology and Business Studies, 5(1), 45-59.
Kusuma, A., & Dewi, S. (2023). Perkembangan Layanan Fintech GoPay dalam Era Digital.
Jurnal Manajemen Teknologi, 8(1), 45-60.
Kusuma, R., Pratama, S., & Wijaya, H. (2023). Analisis Layanan Pinjaman Digital GoPayLater dalam Perspektif Manajemen Risiko. Jurnal Keuangan Digital, 5(2), 67-80.
Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5-44.
Maulana, R., & Zoraya, I. (2024). Pengaruh Perceived Ease Of Use, Kepercayaan dan Literasi Keuangan Terhadap Penggunaan ShopeePay pada Masyarakat Bengkulu. Jesya, 7(1), 640–654. https://doi.org/10.36778/jesya.v7i1.1442
Mayer, R. C., Davis, J. H., & Schoorman, F. D. (1995). An integrative model of organizational trust. Academy of Management Review, 20(3), 709-734.
Mutiara, D., & Priantinah, D. (2018). Analisis Penggunaan E-wallet di Indonesia. Jurnal Nominal, 7(1), 25-37.
Nangin, M. A., Barus, I. R. G., & Wahyoedi, S. (2020). The effects of perceived ease of use and perceived usefulness on customer satisfaction and trust in using e-wallet. Journal of Consumer Behavior Studies, 2(1), 1-11.
Naufaldi, I., & Tjokrosaputro, M. (2020). Pengaruh Perceived Ease of Use, Percieved Usefulness, dan Trust terhadap Intention To Use. Jurnal Manajerial Dan Kewirausahaan, 2(3), 715–722.
Nasution, N. H., & Munir, M. (2023). Analisis Faktor-Faktor yang Mempengaruhi Analisis Faktor-Faktor yang Mempengaruhi Minat Menggunakan Paylater dengan Religiusitas Sebagai Variabel Moderasi. Al-Buhuts, 19(1), 106–121.
Ningsih, S., Rahman, A., & Wijaya, S. (2023). Financial literacy and digital payment adoption: An empirical study. Journal of Financial Services Marketing, 28(1), 23-37.
Nugroho, A., & Susilowati, E. (2021). Perkembangan Fitur dan Layanan E-wallet di Indonesia.
Jurnal Sistem Informasi, 14(1), 23-36.
OECD. (2016). OECD/INFE International Survey of Adult Financial Literacy Competencies.Paris: OECD Publishing.
OECD. (2018). OECD/INFE toolkit for measuring financial literacy and financial inclusion.
OECD.Otoritas Jasa Keuangan (OJK). (2017). Strategi Nasional Literasi Keuangan Indonesia (Revisit 2017). Jakarta: OJK.
Permatasari, D., Nawirah, Sartika, F., & Setiani. (2024). EXPLORING THE ACCEPTANCE OF PEER-TO-PEER LENDING: A MAQASID SHARIAH PERSPECTIVE THROUGH THE TECHNOLOGY ACCEPTANCE MODEL. EL DINAR: Jurnal Keuangan Dan Perbankan Syariah, 12(2).
Potrich, A. C. G., Vieira, K. M., & Kirch, G. (2015). Determinants of financial literacy: Analysis of the influence of socioeconomic and demographic variables. Revista Contabilidade & Finanças, 26(69), 362-377.
Pratama, B., & Hidayat, R. (2023). Analisis Pembayaran Tagihan Digital melalui Platform GoPay. Jurnal Teknologi Finansial, 8(2), 156-169.
Pratama, R., & Sulistiyo, H. (2021). Transformasi Digital Payment di Indonesia: Studi Kasus GoPay. Jurnal Sistem Informasi, 13(2), 112-125.
Pratnyawati, G. D. T., & Mardiana. (2023). Pengaruh Shopeepaylater dan Literasi Keuangan terhadap Pembelian Impulsive pada Mahasiswa UIN Malang Jurusan Manajemen 2018- 2020. Jurnal Ekbis: Analisis, Prediksi, Dan Informasi, 24(1), 72–83.
Putri, N. A., Wijaya, S., & Rahman, A. (2023). Trust as mediating variable in digital financial services adoption. International Journal of Financial Technology, 4(2), 89-103.
Rahmatika, F., & Fajar, M. (2019). Adopsi E-wallet di Indonesia: Analisis Faktor-faktor yang Mempengaruhi. Jurnal Manajemen Bisnis, 10(2), 145-158.
Rahmawati, D., Santoso, B., & Putra, A. (2023). Evaluasi Layanan PayLater pada Platform Digital Payment. Jurnal Manajemen Keuangan, 6(1), 78-91.
Rizkyla, Z., Meuthia, R. F., & Rosita, I. (2024). The Influence of Perceived Ease of Use, Perceived Usefulness, and Trust as Intervening Variables on Interest in Using Digital Banks among Millennial Generation (Gen Y) & Generation Z (Gen Z). In Jurnal Riset Akuntansi Politala (Vol. 7, Issue 1). http://jra.politala.ac.id/index.php/JRA/index
Rogers, E. M. (1995). Diffusion of Innovations (4th ed.). New York: Free Press.
Santoso, M., & Rahman, F. (2022). Keamanan Transaksi Digital: Studi Kasus Transfer Dana GoPay. Jurnal Teknologi Informasi, 9(2), 145-158.
Sekaran, U., & Bougie, R. (2016). Research Methods for Business: A Skill Building Approach (7th ed.). Chichester: John Wiley & Sons.
Setiawan, B., Wibowo, A., & Sari, P. K. (2022). Merger Gojek-Tokopedia: Dampak terhadap Ekosistem Digital Indonesia. Jurnal Bisnis dan Ekonomi, 15(1), 67-82.
Sina, P. G., & Noya, A. (2012). Pengaruh kecerdasan spiritual terhadap pengelolaan keuangan pribadi. Jurnal Manajemen, 11(2), 171-188.
Statista. (2024). Digital payments in Indonesia. Statista Digital Market Outlook.
Sugiyono. (2016). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung: Alfabeta. Sugiyono. (2017). Metode Penelitian Pendidikan. Bandung: Alfabeta.
Sugiyono. (2018). Metode Penelitian Pendidikan: Pendekatan Kuantitatif, Kualitatif, dan R&D. Alfabeta.
Sukardi. (2015). Metodologi Penelitian Pendidikan: Kompetensi dan Praktiknya. Jakarta: Bumi Aksara.
Suseno, N. S., Ingawan, D. C., & Rosmayati, I. (2021). Identifikasi Behavioral Intention Dengan Pendekatan Technology Acceptance Model (Studi Kasus pada Pengguna Go-Pay di Kabupaten Garut). Jurnal Algoritma, 18(1), 292–301. http://jurnal.sttgarut.ac.id/
Tang, N., & Baker, A. (2016). Self-esteem, financial knowledge and financial behavior.
Journal of Economic Psychology, 54, 164-176.
Vernon, L., & See, P. (2022). Factors Influencing The Intention to Adopt E-Wallet: A Regional Distribution Perspective in Malaysia. JOURNAL OF BUSINESS AND SOCIAL SCIENCES, 1(16), 16. http://ipublishing.intimal.edu.my/jobss.html
Wasana, I. D. P. T. A., & Telagawathi, N. L. W. S. (2023). Pengaruh Kepercayaan dan Persepsi Kemudahan terhadap Minat Penggunaan ShopeePay sebagai Metode Pembayaran di E- Commerce Shopee (Studi Kasus pada Masyarakat Buleleng). Bisma: Jurnal Manajemen, 9(2), 127–135.
Wibowo, H., & Sari, P. (2023). Integrasi Sistem Pembayaran E-commerce: Analisis GoPay dan Tokopedia. Jurnal E-commerce Indonesia, 5(1), 34-47.
Widodo, M., Rahman, A., & Putra, S. (2020). Analisis Pengembangan E-wallet di Indonesia.
Jurnal Sistem Informasi, 12(3), 89-102.
Wijaya, H., & Sutanto, E. (2023). Implementasi Teknologi Blockchain dalam Sistem Pembayaran Digital: Studi Kasus GoPay. Jurnal Teknologi Informasi, 9(1), 34-48.
Wijaya, R., Susanto, A., & Pratama, H. (2022). Implementasi QRIS dalam Sistem Pembayaran Digital Indonesia. Jurnal Sistem Pembayaran, 7(2), 90-103
World Bank. (2023). Global financial inclusion report 2023. World Bank Group.
Yushita, A. N. (2017). Pentingnya literasi keuangan bagi pengelolaan keuangan pribadi.Nominal: Barometer Riset Akuntansi dan Manajemen, 6(1), 11-26.
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Published
2025-10-15
How to Cite
SULHAN, Muhammad.
ANALYSIS OF THE IMPACT OF FINANCIAL LITERACY, PERCEIVED EASE OF USE AND PERCEIVED USEFULNESS ON THE EFFECTIVENESS OF PERSONAL FINANCIAL MANAGEMENT WITH TRUST AS A MEDIATING VARIABLE.
Proceedings of the International Conference of Islamic Economics and Business (ICONIES), [S.l.], v. 11, n. 1, p. 701-716, oct. 2025.
ISSN 2541-3333.
Available at: <https://urj.uin-malang.ac.id/index.php/iconies/article/view/3461>. Date accessed: 24 july 2026.
Section
Articles
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