MEDIASI FINANCIAL LITERACY DALAM HUBUNGAN FINANCIAL TECHNOLOGY PAYMENT DAN FINANCIAL ATTITUDE TERHADAP CHANGES IN PEOPLE'S FINANCIAL BEHAVIOR DALAM PERSPEKTIF BISNIS ISLAM
DOI:
https://doi.org/10.31959/jm.v14i4.3355Abstract
Introduction: The development of digital technology, especially fintech payments, has facilitated transactions and made financial management more digital and flexible. This study aims to analyse the role of financial literacy mediation in the relationship between financial technology payment and financial attitudes towards changes in people's economic behaviour, considering the Islamic business perspective.
Methods: Using a quantitative approach with the SEM-PLS analysis technique, 100 respondents were surveyed through a Google form using a purposive sampling technique. The results show that fintech payment and financial attitude intentionally increase financial literacy, which then has a positive effect on changes in people's economic behaviour.
Results: This study found that financial literacy partially mediates the relationship between fintech payments and financial attitudes, influencing changes in people's financial behaviour. Although the direct influence of fintech payments and financial attitudes on changes in financial behaviour has proven to be more dominant, the mediating role of financial literacy remains significant, which shows that increasing financial literacy encourages wiser and more responsible financial behaviour. From an Islamic perspective, financial literacy acts as a mediator, connecting fintech payments and financial attitudes to change people's financial behaviour by applying sharia principles such as honesty, justice, and the prohibition of usury. Islam's emphasis on business ethics, including transparency and price fairness, is reflected in e-commerce regulations to create a fair and trustworthy digital ecosystem.
Keywords: Financial Literacy, Fintech Payment, Financial Attitude, Financial Behaviour, Bisnis Islam.
Downloads
Published
Issue
Section
Citation Check
License
Copyright (c) 2025 Umi Habibah, Evi Ekawati, Is Susanto
This work is licensed under a Creative Commons Attribution 4.0 International License.
Access and Licensing
All articles published in Jurnal Maneksi (Management Ekonomi Dan Akuntansi) are available immediately upon publication without any embargo period. No registration or subscription fees are required to access our content.
To facilitate clarity and ease of reuse, Jurnal Maneksi (Management Ekonomi Dan Akuntansi) adopts Creative Commons licenses. By default, all articles are published under the Creative Commons Attribution License (CC BY 4.0). This license permits unrestricted use, distribution, and reproduction in any medium, provided that proper attribution is given to the original author(s) and source.
Copyright Policy
Authors publishing in Jurnal Maneksi (Management Ekonomi Dan Akuntansi) retain copyright over their work. By submitting and publishing with Jurnal Maneksi (Management Ekonomi Dan Akuntansi), authors grant the journal the right of first publication under their chosen open-access license. This ensures that authors maintain full control over their intellectual property while enabling broad dissemination and reuse of their work.
Authors are also encouraged to:
- Share their published articles in institutional repositories or personal websites, ensuring proper acknowledgment of initial publication in Jurnal Maneksi (Management Ekonomi Dan Akuntansi).
- Enter into non-exclusive agreements for further distribution, such as including their articles in books or other publications.
