Analisis Pengaruh Literasi Keuangan Digital terhadap Minat Mahasiswa dalam Penggunaan Layanan E-Banking
Abstract
Abstrak
Saat ini digital informasi serta komunikasi sangat dibutuhkan bagi kehidupan manusia. Penelitian ini mempunyai tujuan menganalisis pengaruh literasi keuangan digital terhadap minat penggunaan layanan e-banking bank umum syariah pada mahasiswa IAIN Salatiga melalui persepsi kemudahan, persepsi kemanfaatan, dan kepercayaan. Metode yang digunakan dalam penelitian ini adalah uji asumsi klasik dan analisis jalur (path analysis). Sampel yang digunakan sebanyak 100 responden dengan menggunakan teknik proportionate stratified random sampling. Berdasarkan hasil pengujian, diperoleh hasil bahwa persespi kemudahan, persepsi kemanfaatan, dan kepercayaan berpengaruh positif terhadap minat penggunaan layanan e-banking, sedangkan persepsi kemudahan, persepsi kemanfaatan tidak berpengaruh positif terhadap kepercayaan. Kepercayaan dapat memediasi hubungan antara persepsi kemudahan terhadap minat, kepercayaan tidak dapat memediasi hubungan antara persepsi kemanfaatan terhadap minat.
Kata Kunci:Â Literasi Keuangan Digital, Persepsi Kemudahan, Persepsi Kemanfaatan, Minat Penggunaan, Kepercayaan.
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