INFLUENCE OF DIGITAL FINANCIAL LITERACY ON FINANCIAL WELL-BEING THROUGH SPENDING, SAVING, AND INVESTMENT BEHAVIOR IN INDONESIA

Benny Jhonson · Rike Andriani · Irma Noviana · Dewi Tamara

25 citations0/0 files storedJOURNAL OF BUSINESS STUDIES AND MANGEMENT REVIEW

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Financial Literacy and Behavior Financial Literacy, Pension, Retirement Analysis FinTech, Crowdfunding, Digital Finance

Abstract

This study aims to determine if spending, saving, and investment behavior, via the mediation of digital financial literacy (DFL), influences Indonesians' financial well-being (FWB). An online survey with a sample size of 403 participants received a 77% response rate. The Structural Equation Model using SmartPLS showed that DFL influences FWB by mediating spending, saving, and investment behavior. Based on this result, the government is suggested to improve the level of DFL in Indonesian people through an educational curriculum that can pay attention to spending, saving, and investment behavior to maximize FWB.

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References

2020Integración de los mercados financieros Latinoamericanos por medio de MILA 2014Financial Literacy, Financial Education, and Downstream Financial Behaviors 2011Financial Literacy and Planning: Implications for Retirement Wellbeing 2007Trading Performance, Disposition Effect, Overconfidence, Representativeness Bias, and Experience of Emerging Market Investors 2016The FinTech Opportunity 2002Financial Literacy: An Overview of Practice, Research, and Policy 1993International Journal of Bank Marketing 2020Can fintech improve the efficiency of commercial banks? —An analysis based on big data

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