The influence of financial technology and financial knowledge in increasing millennial financial literacy in Medan on using OVO application

Wirakesuma, Albert (2022) The influence of financial technology and financial knowledge in increasing millennial financial literacy in Medan on using OVO application. Bachelor thesis, Universitas Pelita Harapan.

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Abstract

The COVID-19 pandemic has had many impacts, including financial problems. With a literacy level that is still very low, it is certainly important for all of us, especially millennials, to improve financial literacy by having sufficient financial knowledge so that we can manage finances properly and correctly, especially at times like this. And in this research will be using financial technology and financial knowledge as the independent variable and financial literacy as the dependent variable. This research was conducted by distributing questionnaires to OVO application users in the field, the data obtained will then be calculated by testing reliability and validity. The sampling method used in this study is Purposive sampling. From the data that has been collected, it will be processed using the SPSS application which is tested with tests of normality, linearity, multicollinearity, and heteroscedasticity. After that, the Multiple Linear Regression Analysis test, the coefficient of determination, and finally the hypothesis test consisted of the F test and T test. The purpose of this research is to find out whether financial technology affects the millennial generation's financial literacy, whether financial knowledge affects the millennial generation's financial literacy and its significance. In the results of the study, it was found that financial technology partially affects the millennial generation in the city of Medan in improving Financial Literacy based on the results of the T-Test hypothesis test with a significant value below 0.05, namely 0.029 and T-count(2.221) > T-table (1.984), Knowledge Finance partially has an influence on the millennial generation in the city of Medan in improving Financial Literacy based on the results of the T-Test hypothesis test with a significant value below 0.05, namely 0.000 and T-count (4,847) > T-table (1,984), and financial technology and financial knowledge simultaneously has an influence on the millennial generation in the city of Medan in improving Financial Literacy based on the results of the F-Test hypothesis test with a significant value below 0.05, namely 0.000 and F-count (27.259) > T-table (3.09)./ Pandemi covid-19 telah memberikan banyak dampak termasuk pada masalah finansial. Dengan tingkat literasi yang masih sangat kurang tentunya penting bagi kita semua khususnya milenial untuk meningkatkan literasi keuangandengan memiliki pengetahuan finansial yang cukup agar tetap dapat mengatur keuangan dengan baik dan benar khususnya pada masa seperti ini. Dan dalam penelitian ini akan menggunakan financial technology dan financial knowledge sebagai variabel bebas dan literasi keuangan sebagai variabel terikat. Penelitian ini dilakukan dengan menyebarkan kusioner kepada pengguna aplikasi OVO di medan, data yang didapat kemudian akan dihitung dengan uji reabilitas dan validitas. Metode sampling yang digunakan pada penelitian ini adalah purposive sampling. Dari data sudah terkumpul kemudian akan diolah menggunakan aplikasi SPSS yang diuji dengan tes normanilas, linearitas, multikolinearitas, dan heteroskedastisitas. Setelah itu pengujian Multiple Linear Regression Analysis, koefisien determinasi, dan terakhir uji hipotesis terdiri dari uji F dan uji T. Tujuan dari dilakukan penelitian ini adalah untuk mengetahui apakah teknologi keuangan mempengaruhi dalam meningkatkan literasi keuangangenerasi milenial, apakah pengetahuan keuangan mempengaruhi dalam meningkatkan literasi keuangan generasi milenial beserta signifikansinya. Dalam hasil penelitian didapat bahwa teknologi keuangan secara parsial berpengaruh terhadap generasi milenial di kota Medan dalam meningkatkan Literasi Keuangan berdasarkan hasil uji hipotesis T-Test dengan nilai signifikan dibawah 0.05 yaitu 0.029 dan T-count(2.221) > T-table (1.984), Pengetahuan Keuangan secara parsial memiliki pengaruh pada generasi milenial di kota Medan dalam meningkatkan Literasi Keuangan berdasarkan hasil uji hipotesis T-Test dengan nilai signifikan dibawah 0.05 yaitu 0.000 dan T-count (4.847) > T-table (1.984),dan teknologi keuangan dan pengetahuan keuangan secara simultan memiliki pengaruh terhadap generasi millennial di kota Medan dalam meningkatkanLiterasi Keuangan berdasarkan hasil uji hipotesis F-Test dengan nilai signifikan dibawah 0.05 yaitu 0.000 dan F-count(27.259) > T-table (3.09).

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