Analisis Peran Financial Literacy Dalam Memoderasi Financial Self-Efficacy, Social Influence Terhadap Intention To Use Cashless Payment Pada Generasi Z Surabaya
DOI:
https://doi.org/10.37385/msej.v5i2.5653Keywords:
Cashless Payment; Financial Self-Efficacy; Social Influence; Financial Literacy; Z GenerationAbstract
Penurunan minat pada penggunaan cashless payment di Surabaya dipengaruhi oleh beberapa faktor yaitu financial self-efficacy, social influence, dan financial literacy. Mengetahui peran literasi keuangan sebagai variabel moderasi dalam pengaruh efiksasi diri dalam keuangan dan pengaruh sosial terhadap minat menggunakan transaksi non tunai merupakan tujuan dari penelitian ini. Pendekatan penelitian menggunakan metode kuantitatif. Populasi dalam penelitian ini adalah generasi Z di kota Surabaya berusia 17 tahun keatas dengan 100 orang sebagai sampel penelitian yang ditentukan dengan simple random sampling. Data yang digunakan yaitu jenis data primer. Pengolahan data menggunakan analisis jalur dengan bantuan software WarpPls. Berdasarkan hasil penelitian ditemukan bahwa financial self-efficacy berkontribusi dalam peningkatan intention to use cashless payment, social influence tidak berkontribusi dalam peningkatan intention to use cashless payment, financial literacy tidak mampu memoderasi pengaruh financial self-efficacy terhadap intention to use cashless payment, dan financial literacy mampu memoderasi pengaruh social influence terhadap intention to use cashless payment.
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