IDEAS home Printed from https://ideas.repec.org/h/spr/advbcp/978-94-6239-656-2_22.html

The Influence of Financial Literacy, Benefit Perception, Risk Perception and Digital Entrepreneurial Intention on the Use of Fintech by UST Yogyakarta Students

In: Proceedings of the 4th International Conference on Management and Business (ICoMB 2025)

Author

Listed:
  • Karolina Arina Mira

    (Universitas Sarjanawiyata Tamansiswa, Management Study Program, Faculty of Economics)

  • Ratih Kusumawardhani

    (Universitas Sarjanawiyata Tamansiswa, Management Study Program, Faculty of Economics)

  • Suleman Sarwar

    (University of Jeddah)

Abstract

This study aims to analyze the influence of financial literacy, benefit perception, risk perception, and digital entrepreneurial intention on the use of fintech in UST Yogyakarta students. Using a quantitative approach and multiple linear regression with 100 respondents, the results showed that the four independent variables had a significant effect on student fintech use. Financial literacy, benefit perception, risk perception, and digital entrepreneurial intention have a significant positive effect on fintech use. The R2 value of 0.691 indicates that the fourth variable explains 69.1% of the variation in fintech use. The sampling technique used is probability sampling-simple or random sampling. These findings emphasize the importance of perception and intention in increasing students’ use of fintech.

Suggested Citation

  • Karolina Arina Mira & Ratih Kusumawardhani & Suleman Sarwar, 2026. "The Influence of Financial Literacy, Benefit Perception, Risk Perception and Digital Entrepreneurial Intention on the Use of Fintech by UST Yogyakarta Students," Advances in Economics, Business and Management Research, in: Johannes Maysan Damanik & Md. Mahmudul Alam & Suddin Lada (ed.), Proceedings of the 4th International Conference on Management and Business (ICoMB 2025), pages 267-277, Springer.
    • Handle: RePEc:spr:advbcp:978-94-6239-656-2_22
    DOI: 10.2991/978-94-6239-656-2_22
    as

    Download full text from publisher

    To our knowledge, this item is not available for download. To find whether it is available, there are three options:
    1. Check below whether another version of this item is available online.
    2. Check on the provider's web page whether it is in fact available.
    3. Perform a
    for a similarly titled item that would be available.

    More about this item

    Keywords

    ;
    ;
    ;
    ;
    ;

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:spr:advbcp:978-94-6239-656-2_22. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Sonal Shukla or Springer Nature Abstracting and Indexing (email available below). General contact details of provider: http://www.springer.com .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.