THE SIGNIFICANT ROLE OF FINTECH IN EMPOWERING STUDENTS IN THE DIGITAL ERA: AN ANALYSIS WITHIN THE CONTEXT OF DIGITAL FINANCIAL TRANSFORMATION
Keywords:
Financial Technology (Fintech); Student empowerment; Digital Financial Transformation; Quantitative approac
Abstract
The aim of this study is to delve into the extent to which students at Muhammadiyah University Palopo comprehend and exhibit interest in fintech, and to investigate the role of Financial Technology (Fintech) in empowering students in the digital era through digital financial transformation. This research adopts a quantitative approach, utilizing primary data, with the study population targeted towards users of Financial Technology (Fintech) services, specifically students enrolled in the Faculty of Economics and Business, Management Program, at Muhammadiyah University Palopo, encompassing approximately 133 individuals, determined using the Slovin formula. This research analysis was conducted using multiple linear regression with the data processing tool, SPSS version 26 (Statistical Product and Service Solutions). The results indicate that Fintech has a positive and significant influence on student empowerment. However, Digital Financial Transformation in this study did not exert a significant influence on student empowerment. This suggests that, within the context of this research, Digital Financial Transformation does not have a noteworthy impact on enhancing student empowerment.
References
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Sijabat, Y. P., Hutajulu, D. M., & Sihombing, P. (2019). DETERMINASI TECHNOLOGY ACCEPTANCE MODEL TERHADAP NIAT PENGGUNAAN FINTECH SEBAGAI ALAT PEMBAYARAN (PAYMENT) Yacobo. Seminar Nasional Dan Call For Paper, Magelang, 15 Oktober 2019.
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Widayanti, F. D. (2017). Pemberdayaan Mahasiswa melalui Pengelompokan Berdasarkan Jenis Modalitas Belajar. Jurnal Likhitaprajna, 19(1), 100–109.
Wu, A. C., & Kao, D. D. (2022). Mapping the Sustainable Human-Resource Challenges in Southeast Asia’s FinTech Sector. Journal of Risk and Financial Management, 15(7). https://doi.org/10.3390/jrfm15070307
Yuningsih, Y. Y., Raspati, G., & Riyanto, A. (2022). Pengaruh literasi keuangan dan financial technology terhadap keberlangsungan usaha pelaku UMKM. Mirai Management, 7(2), 531–540.
Ansori, M. (2019). View metadata, citation and similar papers at core.ac.uk brought to you by CORE provided by ZENODO PERKEMBANGAN DAN DAMPAK FINANCIAL TECHNOLOGY (FINTECH) TERHADAP INDUSTRI KEUANGAN SYARIAH DI JAWA TENGAH Miswan. Finansialku.Com, V ol. 5 No(1), 32–45.
as’adi*; hermi sularsih. (2022). Transformasi digital dan financial technology terhadap peningkatan pendapatan umkm dimasa pandemi Covid-19 di Kabupaten Pasuruan. Jurnal Paradigma Ekonomika, 17(3), 2085–1960.
Aulia, G. Y., & Putra, S. G. (2023). Tingkat literasi keuangan digital (studi pada mahasiswa fakultas ekonomi dan bisnis islam universitas islam negeri mataram). 26–38.
Cao, Y., & Zhai, J. (2022). A survey of AI in finance. Journal of Chinese Economic and Business Studies, 20(2), 125–137. https://doi.org/10.1080/14765284.2022.2077632
Demitra, D., Sarjoko, & Pancarita. (2022). Program Pemberdayaan Mahasiswa Melalui Bimbingan Teknis Penulisan Artikel Jurnal Ilmiah. Pengabdian Kampus : Jurnal Informasi Kegiatan Pengabdian Pada Masyarakat, 9(1), 27–35. https://doi.org/10.52850/jpmupr.v9i1.4817
Fadila, N., Hamid, R. S., & Ukkas, I. (2022). Pengaruh Literasi Keuangan , Financial Technology , Persepsi Risiko , dan Locus of Control Terhadap Keputusan Investasi Pengusaha Muda. 6(April), 1633–1643.
Fauzi, & Cahyani, regita destry. (2022). PENGARUH PERFORMANCE EXPECTANCY, PRICE VALUE, DAN HABIT TERHADAP MINAT PENGGUNAAN FINTECH GOPAY PADA MAHASISWA STIE PEMBANGUNAN TANJUNGPINANG. 5, 25–40.
Fisabilillah, L., Seno Aji, T., & Setiawan Prabowo, P. (2021). Literasi Keuangan Digital Sebagai Upaya Pembekalan UMKM Kampung Binaan Go Digital. DINAMIS: Jurnal Pengabdian Kepada Masyarakat, 1(2), 62–69. https://doi.org/10.33752/dinamis.v1i2.501
Gruin, J. (2021). The epistemic evolution of market authority: Big data, blockchain and China’s neostatist challenge to neoliberalism. Competition and Change, 25(5), 580–604. https://doi.org/10.1177/1024529420965524
Gultom B.T, HS Renol S, & Siagian L. (2022). Dampak Literasi Keuangan terhadap Perilaku Keuangan Mahasiswa (Studi Kasus di Universitas Hkbp Nommensen Pematang Siantar). Jurnal Pendidikan Ekonomi Undiksha, 14(1), 134–144. https://ejournal.undiksha.ac.id/index.php/JJPE/article/view/46896
Hadad, S., & Bratianu, C. (2019). Dematerialization of banking products and services in the digital era. Management and Marketing, 14(3), 318–337. https://doi.org/10.2478/mmcks-2019-0023
Hareesh. (2023). A STUDY ON ROLE OF FINTECH SERVICES IMPACT OF BUSINESS GROWTH SELECTED A PUBLIC SECTOR BANK IN PUNJAB. 1–15.
Katiya, R. A., & Rikumahu, B. (2022). Analisis Minat Penggunaan Fitur Paylater Sebagai Media Pembayaran Online (Fintech) Menggunakan Diffusion Of Innovation Theory. SEIKO: Journal of Management & …, 4(3), 324–336. https://doi.org/10.37531/sejaman.v4i3.2601
Kurniati, P. S., & Suryanto, S. (2022). the Role of the Indonesian Government in the Era of Banking Disruption Innovation. Journal of Eastern European and Central Asian Research, 9(1), 93–100. https://doi.org/10.15549/jeecar.v9i1.881
Kustina, K. T., & Aji, W. S. (2023). Cashless Society Sebagai Pemoderasi Pengaruh Fintech Payment Gateway Terhadap Kinerja Keuangan UMKM di Kota Denpasar. Moneter - Jurnal Akuntansi Dan Keuangan, 10(1), 32–41. https://doi.org/10.31294/moneter.v10i1.15272
Marini, Linawati, & Putra, rezi eka. (2020). Peran Fintech terhadap Inklusi Keuangan pada UMKM Tangerang Selatan. 5(2), 91–104.
Mauliza, A. Y. I., Machmudi, R. D. S., & Indrarini, R. (2022). Pengaruh Perlindungan Data Dan Cyber Security Terhadap Tingkat Kepercayaan Menggunakan Fintech Masyarakat Di Surabaya. SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan, 1(11), 2497–2516. https://doi.org/10.54443/sibatik.v1i11.395
Narastri, M., & Kafabih, A. (2020). Finansial Technologi Di Indonesia Di Tinjau Dari Perspektif Islam. Hukum Syariah, 2(2), 31–48.
Ningsih, L. J., Jogianto, S. E., Jessica, & Tanesia, C. Y. (2022). Analisis Pengetahuan dan Tingkat Kepuasan Mahasiswa STIE Ciputra Makassar Terhadap Penggunaan Fintech. Jurnal Mirai Manajemen, 7(1), 256–268.
Pambudi, R. D. (2019). Perkembangan fintech di kalangan mahasiswa UIN Walisongo. Harmony, 4(2), 74–81. https://journal.unnes.ac.id/sju/index.php/harmony/article/view/36456/15100
Pukuh, N., & Widyasthika, H. F. (2021). Transformasi Ekonomi dan Keuangan Digital: Analisis Persebaran dan Peluang Penggunaan Layanan E-Commerce dan E-Banking di Sumatera. Prosiding Call for Paper 2nd Sumatra Economic Summit (2nd Sumatranomics) 2021, 2019, 70–97.
Saleh, M., & F, F. S. (2020). Pengaruh Literasi Keuangan Dan Kualitas Pembelajaran Keuangan Terhadap Penggunaan Fintech Mahasiswa Manajemen Dan Akuntansi Universitas Fajar. Jurnal Manajemen & Organisasi Review (Manor), 2(2), 94–105. https://doi.org/10.47354/mjo.v2i2.243
Seftarita, C., Azra, U., Aceh, B., & Aceh, B. (2017). ANALISIS PELUANG PENGGUNAAN LAYANAN KEUANGAN DIGITAL ( LKD ) PADA MASYARAKAT KABUPATEN ACEH. III(1), 1–16.
Sholihah, E., & Ariyani, D. (2023). Intensi kontinuitas penggunaan digital payment: peran mahasiswa sebagai warga keuangan digital. 4(2), 73–84.
Sijabat, Y. P., Hutajulu, D. M., & Sihombing, P. (2019). DETERMINASI TECHNOLOGY ACCEPTANCE MODEL TERHADAP NIAT PENGGUNAAN FINTECH SEBAGAI ALAT PEMBAYARAN (PAYMENT) Yacobo. Seminar Nasional Dan Call For Paper, Magelang, 15 Oktober 2019.
Umami, N., Syofyan, R., & Padang, U. N. (2023). Pengaruh Literasi Keuangan Digital dan Konformitas Terhadap Perilaku Konsumtif Mahasiswa Universitas Negeri Padang Abstract : This study aims to determine and analyze 1 ) the effect of digital financial literacy on the consumptive behavior of students of . 02(1), 341–354.
Widayanti, F. D. (2017). Pemberdayaan Mahasiswa melalui Pengelompokan Berdasarkan Jenis Modalitas Belajar. Jurnal Likhitaprajna, 19(1), 100–109.
Wu, A. C., & Kao, D. D. (2022). Mapping the Sustainable Human-Resource Challenges in Southeast Asia’s FinTech Sector. Journal of Risk and Financial Management, 15(7). https://doi.org/10.3390/jrfm15070307
Yuningsih, Y. Y., Raspati, G., & Riyanto, A. (2022). Pengaruh literasi keuangan dan financial technology terhadap keberlangsungan usaha pelaku UMKM. Mirai Management, 7(2), 531–540.
Published
2024-04-01
How to Cite
Soviatri, M., & Rismawati. (2024). THE SIGNIFICANT ROLE OF FINTECH IN EMPOWERING STUDENTS IN THE DIGITAL ERA: AN ANALYSIS WITHIN THE CONTEXT OF DIGITAL FINANCIAL TRANSFORMATION. JRMSI - Jurnal Riset Manajemen Sains Indonesia, 15(01), 01-09. https://doi.org/10.21009/JRMSI.015.1.01
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