Faktor penentu financial inclusion dimediasi oleh fintech use dan dimoderasi perceived regulatory support.
Info Katalog
File Repositori
Penerbit : FEB - Usakti
Kota Terbit : Jakarta
Tahun Terbit : 2025
Pembimbing 1 : Susi Muchtar
Kata Kunci : behavior intention, financial inclusion, fintech use, perceived regulatory support, perceived securi
Status Posting : Published
Status : Lengkap
File Repositori
| No. | Nama File | Hal. | Link |
|---|---|---|---|
| 1. | 2025_TS_MMJ_122012301011_Halaman-Judul.pdf | 13 | |
| 2. | 2025_TS_MMJ_122012301011_Surat-Pernyataan-Revisi-Terakhir.pdf | 1 | |
| 3. | 2025_TS_MMJ_122012301011_Surat-Hasil-Similaritas.pdf | 1 | |
| 4. | 2025_TS_MMJ_122012301011_Halaman-Pernyataan-Persetujuan-Publikasi-Tugas-Akhir-untuk-Kepentingan-Akademis.pdf | 1 | |
| 5. | 2025_TS_MMJ_122012301011_Lembar-Pengesahan.pdf | 5 | |
| 6. | 2025_TS_MMJ_122012301011_Pernyataan-Orisinalitas.pdf | 1 | |
| 7. | 2025_TS_MMJ_122012301011_Formulir-Persetujuan-Publikasi-Karya-Ilmiah.pdf | 1 | |
| 8. | 2025_TS_MMJ_122012301011_Bab-1.pdf | 12 | |
| 9. | 2025_TS_MMJ_122012301011_Bab-2.pdf | 33 |
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| 10. | 2025_TS_MMJ_122012301011_Bab-3.pdf | 8 |
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| 11. | 2025_TS_MMJ_122012301011_Bab-4.pdf | 28 |
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| 12. | 2025_TS_MMJ_122012301011_Bab-5.pdf | 5 | |
| 13. | 2025_TS_MMJ_122012301011_Daftar-Pustaka.pdf | 10 | |
| 14. | 2025_TS_MMJ_122012301011_Lampiran.pdf | 12 |
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P Penelitian ini bertujuan untuk menganalisis faktor-faktor yang mempengaruhifinancial inclusion di Indonesia. Data yang digunakan yaitu data primer yang diambil secara acak di JABODETABEK. Sampel menggunakan metode purposivesampling dengan total respoden yang didapat sebanyak 449 responden. Analisisdata menunjukkan behavior intention & fintech use terbukti secara langsungberpengaruh positif signifikan terhadap financial inclusion, kemudian servicequality, perceived security, behavior intention berpengaruh positif terdahap fintechuse sedangkan fintech use terbukti dapat memediasi pengaruh service quality,perceived security, behavior intention terhadap financial inclusion. Disisi lainperceived regulatory support & trust tidak terbukti secara langsung dapatmempengaruhi financial inclusion. Penelitian diharapkan dapat berkontribusi bagibank guna meningkatkan trust nasabah dengan perlindungan data pribadi sertamembuat inovasi untuk peningkatan keamanan system sehingga nasabah akan lebihpercaya terhadap bank dan meningkatkan penggunaan dari fintech. Dari sisipelayanan, bank perlu meningkatkan kualitas pelayanan yang lebih cepat danmudah agar nasabah merasa nyaman dan aman dalam menggunakan. Selain itubank dapat melakukan sosialisasi melalui media sosial terkait dengan updatepelayanan fintech agar nasabah mendapat dorongan ekstrinsik untuk menggunakanfintech yang pada akhirnya dapat meningkatkan financial inclusion.
T This study aims to analyze the factors that influence financial inclusion inIndonesia. The data used are primary data taken randomly in JABODETABEK.The sample used a purposive sampling method with a total of 449 respondents. Dataanalysis shows that behavior intention & fintech use are proven to have a significantpositive effect on financial inclusion, then service quality, perceived security,behavior intention have a positive effect on fintech use while fintech use is provento mediate the influence of service quality, perceived security, behavior intentionon financial inclusion. On the other hand, perceived regulatory support & trust havenot been proven to directly affect financial inclusion. The study is expected tocontribute to banks in order to increase customer trust with personal data protectionand create innovations to improve system security so that customers will trust banksmore and increase the use of fintech. In terms of service, banks need to improve thequality of service that is faster and easier so that customers feel comfortable andsafe in using it. In addition, banks can conduct socialization through social mediarelated to fintech service updates so that customers get extrinsic encouragement touse fintech which can ultimately increase financial inclusion.
