The Influence of Financial Literacy, Financial Experience, and Financial Technology on the Financial Behavior of DANA Platform Users (Case Study In Sidoarjo City Area)
Pengaruh Literasi Keuangan, Pengalaman Finansial, Dan Teknologi Finansial Pada Perilaku Keuangan Pengguna Platform Dana (Studi Kasus Di Wilayah Kota Sidoarjo)
DOI:
https://doi.org/10.21070/ups.7752Keywords:
Financial literacy, Financial Experience, Financial Technology, Financial BehaviorAbstract
This study examines the impact of financial literacy, financial experience, and financial technology on the financial behavior of platform users in Sidoarjo city. The research uses a quantitative approach and a sample size of 100 people. Primary data is collected through online questionnaires. The study includes various tests to assess the validity and reliability of the data, such as the Slovin formula, classical assumption assessment, normality assessment, autocorrelation testing, heteroscedasticity testing, multicolonierity and linearity tests. Hypothesis testing is conducted using the "t" partial test, multiple correlation coefficient test 'r', and multiple determination coefficient test "r2". The results indicate that financial literacy and financial experience have a significant effect on the dependent variable, as evidenced by the t-test results. However, financial technology does not show a significant effect on the independent variable. Ultimately, this study provides valuable insights into the financial behavior of platform users and the factors that influence it.
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