Pengaruh Financial Technology, Financial Literacy, Financial Knowledge, Locus of Control, dan Income terhadap Perilaku Keuangan

The Effect of Financial Technology, Financial Literacy, Financial Knowledge, Locus of Control, and Income on Financial Management Behavior

Sebagai negara berkembang, Indonesia cukup baik dalam mengikuti perkembangan financial technology di dunia. Industri fintech global terus tumbuh signifikan meski di era pandemi karena masyarakat harus melakukan segala aktivitas di rumah, termasuk transaksi keuangan yang saat ini mudah diakses dari smartphone. Saat ini, ada lima jenis financial technology di Indonesia. Ada investasi, crowdfunding, microfinancing, peer-to-peer lending, dan sistem pembayaran digital. Sistem pembayaran digital menjadi favorit dan biasanya digunakan oleh masyarakat. Popularitas fintech memiliki efek besar pada perilaku keuangan. Penelitian ini bertujuan untuk mengetahui pengaruh financial technology, financial literacy, financial knowledge, locus of control, dan income terhadap perilaku pengelolaan keuangan. Penelitian ini merupakan penelitian kausalitas kuantitatif dan mengimplementasikan teknik analisis data regresi linier berganda dengan software analisis IBM SPSS v.25. Jumlah sampel 165 responden dengan menggunakan purposive sampling. Kuesioner online mengumpulkan tanggapan. Responden harus memenuhi persyaratan sebagai pengguna fintech yang berdomisili di Surabaya dan berusia antara 15 hingga 65 tahun. Hasil penelitian tidak menunjukkan dampak financial technology dan locus of control terhadap perilaku keuangan. Namun, hasilnya telah membuktikan bahwa literasi keuangan, pengetahuan keuangan, dan pendapatan dapat memengaruhi perilaku keuangan. Penelitian ini dapat menjadi acuan bagi pengguna fintech untuk lebih bijak dalam mengelola keuangan dan lebih baik dalam menentukan keputusan keuangan.

As a developing country, Indonesia is quite good at following the development of financial technology in the world. The global fintech industry continues to grow significantly even in the pandemic era because people must carry out all activities at home, including financial transactions that are currently easily accessible from smartphones. Currently, there are five kinds of financial technology in Indonesia. There are investment, crowdfunding, microfinancing, peer-to-peer lending, and digital payment system. The digital payment system is the favourite and is usually used by the public. The popularity of fintech has a massive effect on financial behaviour. This research aims to understand the impact of financial technology, financial literacy, financial knowledge, locus of control, and income on financial management behaviour. This research is quantitive causality and implemented multiple linear regression data analysis techniques with IBM SPSS v.25 analysis software. The number sample 165 respondents using purposive sampling. An online questionnaire collects the responses. The respondents must meet the requirement of a fintech user living in Surabaya and aged between 15 to 65 years old. The output of the study does not show the impact of financial technology and locus of control on economic behaviour. However, the result has proven that financial literacy, financial knowledge, and income can impact financial management behaviour. This research can be a reference for fintech users to be wiser in managing finances and better at determining financial decisions.