Proceedings of the 1st International Conference on Sustainable Management and Innovation, ICoSMI 2020, 14-16 September 2020, Bogor, West Java, Indonesia

Research Article

Does Financial Literacy Influencing the University Student’s Decision to Use M-Payment?

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  • @INPROCEEDINGS{10.4108/eai.14-9-2020.2304489,
        author={Amalina Maryam Zakiyyah and Amri  Gunasti and Isti  Fadah},
        title={Does Financial Literacy Influencing the University Student’s Decision to Use M-Payment?},
        proceedings={Proceedings of the 1st International Conference on Sustainable Management and Innovation, ICoSMI 2020, 14-16 September 2020, Bogor, West Java, Indonesia},
        publisher={EAI},
        proceedings_a={ICOSMI},
        year={2021},
        month={5},
        keywords={mobilepayment perceived of trust financial literacy tam intention to use usage behavior},
        doi={10.4108/eai.14-9-2020.2304489}
    }
    
  • Amalina Maryam Zakiyyah
    Amri Gunasti
    Isti Fadah
    Year: 2021
    Does Financial Literacy Influencing the University Student’s Decision to Use M-Payment?
    ICOSMI
    EAI
    DOI: 10.4108/eai.14-9-2020.2304489
Amalina Maryam Zakiyyah1,*, Amri Gunasti1, Isti Fadah2
  • 1: Universitas Muhammadiyah Jember
  • 2: Universitas Jember
*Contact email: amalinamaryam@unmuhjember.ac.id

Abstract

Based on the annual data released by We are Social 2020, shows that Indonesia is a country with the highest rate of e-commerce adoption in the world, but is lagging behind in using mobile payments (m-payment). However, it is common to find that m-payment integrated with e-commerce. Why does it happen? To find this out, we conducted this research. The Technology Acceptance Model (TAM) used to parse the decision to use the m-payment technology. Then added financial literacy as antecedent for decision using m-payment. Data collected using questionnaires distributed to students and collected 120 respondents, then analyzed by using SEM. The result showed that the perception of easy to use is not a consideration in using m-payment but rather the perception of usefulness and security. The financial literacy does not influence the intention to use m-payment, but it has an impact on the behavior of using m-payment.