PENGARUH LITERASI KEUANGAN MAHASISWA DAN KEMUDAHAN AKSES TERHADAP PENGGUNAAN FINTECH JENIS PAYLATER
DOI:
https://doi.org/10.61722/jssr.v3i3.4641Keywords:
financial literacy, ease of Access, Fintech paylaterAbstract
Ashri Fithrah Annisha (2024). "The Influence of Student Financial Literacy and Ease of Access on the Use of Paylater Type Fintech (Survey of Economic Education Students Class of 2019 and 2020)". Department of Economic Education, Faculty of Teacher Training and Education, Siliwangi University, Tasikmalaya. Under the guidance of Gugum Gumilar, S.Pd., M.Pd. and Raden Roro Suci Nurdianti, S.Pd., M.Pd.This research examines the impact of financial literacy and ease of access on the use of paylater Fintech services among students. Given the growing prevalence of paylater services in the Fintech sector, understanding the factors that influence their use is crucial. The research design is quantitative, utilizing a questionnaire completed by 142 respondents, who are Economics Education students from Universitas Siliwangi's 2019 and 2020 cohorts. The survey assessed students' financial literacy levels, their perceptions of the ease of access to paylater services, and their frequency of use. Statistical analysis revealed that higher financial literacy correlates positively with more prudent and cautious use of paylater services. Conversely, ease of access was found to increase the likelihood of more frequent use. The study concludes that while better financial literacy can lead to more responsible use of paylater services, ease of access may drive higher usage levels. This research is expected to be valuable for educational institutions and Fintech companies.
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