Pengaruh Penggunaan Digital Banking Terhadap Perencanaan Keuangan Mahasiswa Universitas 17 Agustus 1945 Surabaya
Keywords:
Ease of Using Digital Banking, Digital Banking Security, Digital Banking Features, Digital Banking User Trust, Financial Literacy, Social Influence in the Use of Digital Banking, Financial Planning Behavior.Abstract
This research aims to analyze how digital banking factors affect student financial planning as active users of digital financial services. The variables studied include ease of use, digital banking security, digital banking features, trust in using digital banking, financial literacy, the influence of using digital banking from the social environment, and financial planning. This research uses the explanatory research method with a quantitative approach through the distribution of online questionnaires on the Likert scale, then analyzed with the SEM-PLS model to understand the cause-and-effect relationship between variables. The research results show that most aspects of digital banking, such as convenience, security, features, trust, and financial literacy, have not had a meaningful influence on the financial planning behavior of students. Although digital banking provides easy access and financial management features, young users have not utilized it effectively for financial planning purposes. On the other hand, social factors play a greater role in shaping the financial habits of students, showing that the environment has a stronger influence than technological factors.
Keywords: Ease of Using Digital Banking, Digital Banking Security, Digital Banking Features, Digital Banking User Trust, Financial Literacy, Social Influence in the Use of Digital Banking, Financial Planning Behavior.
Abstrak
Penelitian ini bertujuan untuk menganalisis bagaimana faktor-faktor digital banking memengaruhi perencanaan keuangan mahasiswa sebagai pengguna aktif layanan keuangan digital. Variabel yang dikaji mencakup kemudahan penggunaan, keamanan digital banking, fitur digital banking , kepercayaan penggunaan digital banking, literasi keuangan, pengaruh penggunaan digital banking dari lingkungan sosial, serta perencanaan keuangan. Penelitian ini menggunakan metode explanatory research dengan pendekatan kuantitatif melalui penyebaran kuesioner online berskala Likert, kemudian dianalisis dengan model SEM-PLS untuk memahami hubungan sebab–akibat antarvariabel. Hasil penelitian menunjukkan bahwa sebagian besar aspek digital banking, seperti kemudahan, keamanan, fitur, kepercayaan, dan literasi keuangan, belum memberikan pengaruh yang berarti terhadap perilaku perencanaan keuangan mahasiswa. Meskipun digital banking menyediakan kemudahan akses dan fitur pengelolaan keuangan, pengguna muda belum memanfaatkannya secara efektif untuk tujuan perencanaan finansial. Sebaliknya, faktor sosial lebih berperan dalam membentuk kebiasaan finansial mahasiswa, menunjukkan bahwa lingkungan memiliki pengaruh lebih kuat dibandingkan faktor teknologi.
Kata kunci: Kemudahan Penggunaan Digital Banking, Keamanan Digital Banking, Fitur Digital Banking, Kepercayaan Pengguna Digital Banking, Literasi Keuangan, Pengaruh Sosial dalam Penggunaan Digital Banking, Perilaku Perencanaan Keuangan.
Downloads
References
Ristiana, N., & Widyastuti, E. (2022). Analisis pengaruh literasi keuangan digital terhadap minat mahasiswa dalam penggunaan layanan e-banking. Jurnal Masharif Al-Syariah: Jurnal Ekonomi dan Perbankan Syariah, 7(1), 425-444.
Pratiwi, D., & Fytaloka, V. (2025). The Influence of Financial Literacy on Students’ Personal Financial Management in the Digital Era. International Journal of Health, Economics, and Social Sciences (IJHESS), 7(3), 1604-1610.
Nidar, S. R., & Bestari, S. (2012). Personal financial literacy among university students (case study at Padjadjaran University students, Bandung, Indonesia). World Journal of Social Sciences, 2(4), 162-171.
Azizah, N., Takidah, E., & Zulaihati, S. (2025). Exploring The Influence Of Digital Financial Literacy, Digital Banking, And Self-Control On Students Savings Behavior. Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi, 6(1), 1-12.
Saffanah, N., & Fitri, D. Y. (2025). The Effects of personal finance fintech Utilization on generation z's personal financial management. JEMBA: Jurnal Ekonomi Pembangunan, Manajemen & Bisnis, Akuntansi, 5(1), 85-96.
Safryani, U., Aziz, A., & Triwahyuningtyas, N. (2020). Analisis literasi keuangan, perilaku keuangan, dan pendapatan terhadap keputusan investasi. Jurnal Ilmiah Akuntansi Kesatuan, 8(3), 319-332.
Davis, F. D. (1989). Kegunaan yang dirasakan, kemudahan penggunaan yang dirasakan, dan penerimaan pengguna terhadap teknologi informasi. MIS Triwulanan: Sistem Informasi Manajemen, 13 (3), 319–339.
Verhoef, PC, Broekhuizen, T., Bart, Y., Bhattacharya, A., Dong, JQ, Fabian, N., & Haenlein, M. (2021). Transformasi digital: Refleksi multidisiplin dan agenda penelitian. Jurnal penelitian bisnis , 122 , 889-901.
Nambisan, S., Wright, M., & Feldman, M. (2019). The digital transformation of innovation and entrepreneurship: Progress, challenges and key themes. Research policy, 48(8), 103773.
Nguyen, LT, Duc, DTV, Dang, TQ, & Nguyen, DP (2023). Layanan Perbankan Metaverse: Siapkah Kita Mengadopsinya? Analisis SEM-ANN Dua Tahap Berbasis Pembelajaran Mendalam. Perilaku Manusia dan Teknologi yang Berkembang , 2023 (1), 6617371.
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS quarterly, 319-340.
Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS quarterly, 425-478.
Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. American Economic Journal: Journal of Economic Literature, 52(1), 5-44.
Oliveira, T., Thomas, M., Baptista, G., & Campos, F. (2016). Mobile payment: Understanding the determinants of customer adoption and intention to recommend the technology. Computers in human behavior, 61, 404-414.
Pavlou, P. A. (2003). Consumer acceptance of electronic commerce: Integrating trust and risk with the technology acceptance model. International journal of electronic commerce, 7(3), 101-134.
McKnight, D. H., Choudhury, V., & Kacmar, C. (2002). Developing and validating trust measures for e-commerce: An integrative typology. Information systems research, 13(3), 334-359.
Venkatesh, V., & Ramesh, V. (2006). Web and wireless site usability: Understanding differences and modeling use. MIS quarterly, 181-206.
Kim, C., Mirusmonov, M., & Lee, I. (2010). An empirical examination of factors influencing the intention to use mobile payment. Computers in human behavior, 26(3), 310-322.
Zhang, J., Gong, X., & Zhang, H. (2022). ICT diffusion and health outcome: Effects and transmission channels. Telematics and Informatics, 67, 101755.
Akturan, U., & Tezcan, N. (2012). Mobile banking adoption of the youth market: Perceptions and intentions. Marketing Intelligence & Planning, 30(4), 444-459.
Downloads
-
PDF FULL TEXT
Abstract Dilihat : 14 Kali , Download: 5 Kali
Published
Issue
Section
License
Copyright (c) 2025 Shafiyah Ummu Umayyah, Hwihanus (Author)
This work is licensed under a Creative Commons Attribution 4.0 International License.
