Pengaruh Literasi Keuangan dan Digital Terhadap Preferensi Bank Digital

  • Muhammad Basri * Mail Politeknik Bombana, Bombana, Indonesia
  • Muarif Leo Politeknik Baubau, Baubau, Indonesia
DOI: https://doi.org/10.47065/jtear.v3i4.659
Keywords: Bank; Digital Bank; Digital Literacy; Financial Literacy; Consumer Preference

Abstract

Banking is a growing sector that can drive economic growth; by continuing to adapt, banks are adopting digital technology to survive. Currently, the challenges of the digital world are increasing. Banks must not only compete with other banks but also must be able to compete with other financial technology companies. One way to adapt and survive in this era is with the emergence of digital banks. The public must also be educated about these digital banking services because financial and digital literacy must be understood first. This research aims to find out and confirm the relationship between financial literacy and digital literacy with consumer preference for digital banks. This type of research is descriptive research with a quantitative approach using primary data. The results obtained are: Financial literacy partially affects consumer preferences for digital banks; Digital literacy partially affects consumer preferences for digital banks; Financial literacy and digital literacy simultaneously affect consumer preferences for digital banks. This research aims to contribute to the development of digital banks in Indonesia

References

Aisyah, N. (2016). Analisis Penerapan Informasi Akuntansi Manajemen dalam Proses Pengambilan Keputusan. Jurnal Ilmiah Akuntansi Dan Bisnis, 1–9.

Alfira, N., Sari, S. nirmala, & Den ka, V. sari. (2021). Analisis Penerapan Akuntansi Pajak Pertambahan Nilai Pada Cv Kasim Insani Niaga. Jurnal Analisa Akuntansi Dan Perpajakan, 5(1). https://doi.org/10.25139/jaap.v5i1.3651

Anggito, A., & Setiawan, J. (2018). Metodologi penelitian kualitatif. CV.Jejak.

Deviana. (2017). Analisis Penerapan Akuntansi Pajak Pertambahan Nilai pada Jasa Angkutan (Studi Kasus PT Varia Usaha). Jurnal Ilmiah Mahasiswa FEB, 5(2).

Dwiningsih, Y. W. (2020). Literasi Keuangan, Literasi Layanan Keuangan Digital Dan Partisipasi Perbankan Pada Siswa Sma Komplek Surabaya. Universitas AIrlangga.

Ghozali, I. (2013). Aplikasi Analisis Multivariate dengan Program SPSS Cetakan VII. Universitas Diponegoro.

Kariyoto. (2018). Implementasi Sistem Informasi Akuntansi Manajemen (SIAM) Untuk Pengambilan Kebijakan Perusahaan. Applied Microbiology and Biotechnology, 85(1), 2071–2079.

Kurniawati, E., Nugroho, P., & Arifin, C. (2012). Penerapan Akuntansi Pada Usaha Mikro Kecil Dan Menengah (Umkm). Jurnal Manajemen Dan Keuangan Darmajaya, 10(2), 218956.

Kusumadyahdewi, K. (2015). Penerapan Akuntansi Dan Manajemen Keuangan Pada Pengaturan Keuangan Pribadi. In J-PIPS (Jurnal Pendidikan Ilmu Pengetahuan Sosial) (Vol. 1, Issue 2, p. 239). https://doi.org/10.18860/jpips.v1i2.6822

Munari, S. A. L., & Susanti, S. (2021). The Effect of Ease of Transaction, Digital Literacy, and Financial Literacy on the Use of E-Banking. Economic Education Analysis Journal, 10(2), 298–309.

Munthasa, M., Hasnita, N., & Yulindawati. (2021). Pengaruh Pengetahuan Dan Pendidikan Terhadap Literasi Keuangan Digital Masyarakat Kota Banda Aceh. Jihbiz: Global Journal of Islamic Banking and Finance, 3(2), 146–157.

Pradini, & Susanti, S. (2021). Pengaruh Literasi Keuangan, Literasi Digital, dan Kemudahan Penggunaan Terhadap Penggunaan Mobile Banking BCA, BNI, BRI. E-Jurnal Ekonomi Dan Bisnis, 10(10).

Rudakova, O. S., & Markova, O. M. (2020). The Application of Digital Banking to Promote Banking Products and Services. Advances in Economics, Business and Management Research, 15(1).

Saputri, O. B. (2020). Preferensi Konsumen Dalam Menggunakan Quick Response Code Indonesia Standard (QRIS) Sebagai Alat Pembayaran Digital. Journals of Economics and Business Mulawarman, 4, 237–247.

Tiffani, I., & Parahyangan, U. K. (2022). Pengaruh Literasi Keuangan Dan Literasi Digital Terhadap Preferensi Bank Digital. xx(xx), 152–167.

Viana, E. D., & Vebriyanti, F. (2021). Literasi Keuangan, Inklusi Keuangan dan Minat Investasi Generasi Z di Jabodetabek. Jurnal Manajemen Dan Organisasi, 12(3), 252–264.

Yudha, H. N., & Isgiyarta, I. (2016). Analisis Pengaruh Persepsi Nasabah Bank Terhadap Internet Banking Adoption (Studi pada Nasabah Perbankan yang Menggunakan Internet Banking di Kota Surakarta). Diponegoro Journal of Accounting, 4(4).

Yuliati, N. N., Sofiati Wardah, & Baiq Widuri. (2019). Penerapan Akuntansi pada Usaha Mikro Kecil dan Menengah (Studi pada UMKM Kerupuk Kulit Tradisional Kelurahan Seganteng). Jurnal Akuntansi Dan Keuangan Syariah - ALIANSI, 2(2). https://doi.org/10.54712/aliansi.v2i2.40

Dimensions Badge
Published
2023-06-30
Issue
Vol 3 No 4 (2023): June 2023
Section
Articles

Copyright (c) 2023 Muhammad Basri, Muarif Leo

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

Authors who publish with this journal agree to the following terms:

  1. Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under Creative Commons Attribution 4.0 International License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
  2. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
  3. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (Refer to The Effect of Open Access).