Pengaruh Literasi Keuangan Dan Digital Payment Terhadap Minat Belanja Mahasiswa: Kepercayaan Sebagai Variabel Mediasi

Selfianti Selfianti; Muryani Arsal; Ismail Badollahi

doi:10.33395/owner.v9i2.2708

Authors

Selfianti Universitas Muhammadiyah Makassar
Muryani Arsal Universitas Muhammadiyah Makassar
Ismail Badollahi Universitas Muhammadiyah Makassar

DOI:

10.33395/owner.v9i2.2708

Keywords:

Digital Payment, kepercayaan, literasi keuangan, minat belanja, mahasiswa

Abstract

This study examines the influence of financial literacy and digital payment on students' shopping interest, with trust as a mediating variable. Using a quantitative approach with 116 postgraduate students from Universitas Muhammadiyah Makassar, data were analyzed through PLS-SEM. Results indicate that digital payment significantly affects shopping interest both directly (?=0.250, p<0.001) and indirectly through trust, while financial literacy shows no significant impact. These findings align with the Theory of Planned Behavior, where perceived behavioral control (digital payment ease) and trust shape behavioral intentions. The study addresses a critical gap by empirically validating trust's mediating role in fintech adoption among students, offering practical insights for digital payment providers to enhance security features and user experience.

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Author Biography

Selfianti, Universitas Muhammadiyah Makassar

Magister Manajemen

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