THE IMPACT OF FINTECH ON FINANCIAL BEHAVIOR WITH SAVING BEHAVIOR AS MEDIATING VARIABLE ON CIVIL SERVANTS IN TANJUNGPINANG
Abstract & Details
Research Area
accounting, management, economic
Keywords
Fintech
Financial Behavior
Saving Behavior
Abstract
This study investigates the impact of fintech on financial behavior with saving behavior as a mediating variable among civil servants (PNS) in Tanjungpinang. Using a quantitative approach, data were collected through structured questionnaires from 100 respondents and analyzed using Smart-PLS. The results indicate that fintech usage significantly enhances financial behavior both directly and indirectly through improved saving behavior. The mediation analysis confirms that saving behavior partially mediates the relationship between fintech usage and financial behavior, highlighting the importance of fintech in promoting better financial practices. These findings suggest potential strategies for policymakers and financial institutions to encourage fintech adoption and improve financial health among users.
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Author Information
| # | Name | Institute / Affiliation |
|---|---|---|
| 1 | Eka Maria Susanti | Universitas Batam |
| 2 | Muammar Khaddafi | Universitas Batam |
How to Cite
Use the following formats to cite this article in your research.
APA Style
Susanti, Eka Maria & Khaddafi, Muammar (2024). THE IMPACT OF FINTECH ON FINANCIAL BEHAVIOR WITH SAVING BEHAVIOR AS MEDIATING VARIABLE ON CIVIL SERVANTS IN TANJUNGPINANG. International Journal of Advance Research and Innovative Ideas In Education, 10(3), 4799-4803.
MLA Style
Susanti, Eka Maria, and Muammar Khaddafi. "THE IMPACT OF FINTECH ON FINANCIAL BEHAVIOR WITH SAVING BEHAVIOR AS MEDIATING VARIABLE ON CIVIL SERVANTS IN TANJUNGPINANG." International Journal of Advance Research and Innovative Ideas In Education, vol. 10, no. 3, 2024, pp. 4799-4803.
IEEE Style
Eka Maria Susanti and Muammar Khaddafi, "THE IMPACT OF FINTECH ON FINANCIAL BEHAVIOR WITH SAVING BEHAVIOR AS MEDIATING VARIABLE ON CIVIL SERVANTS IN TANJUNGPINANG," International Journal of Advance Research and Innovative Ideas In Education, vol. 10, no. 3, pp. 4799-4803, 2024.
Vancouver Style
Susanti Eka Maria, Khaddafi Muammar. THE IMPACT OF FINTECH ON FINANCIAL BEHAVIOR WITH SAVING BEHAVIOR AS MEDIATING VARIABLE ON CIVIL SERVANTS IN TANJUNGPINANG. International Journal of Advance Research and Innovative Ideas In Education. 2024;10(3):4799-4803.
Harvard Style
Susanti, Eka Maria & Khaddafi, Muammar (2024) 'THE IMPACT OF FINTECH ON FINANCIAL BEHAVIOR WITH SAVING BEHAVIOR AS MEDIATING VARIABLE ON CIVIL SERVANTS IN TANJUNGPINANG', International Journal of Advance Research and Innovative Ideas In Education, 10(3), pp. 4799-4803.
Chicago Style
Susanti, Eka Maria and Muammar Khaddafi. "THE IMPACT OF FINTECH ON FINANCIAL BEHAVIOR WITH SAVING BEHAVIOR AS MEDIATING VARIABLE ON CIVIL SERVANTS IN TANJUNGPINANG." International Journal of Advance Research and Innovative Ideas In Education 10, no. 3 (2024): 4799-4803.
Turabian Style
Susanti, Eka Maria and Muammar Khaddafi. "THE IMPACT OF FINTECH ON FINANCIAL BEHAVIOR WITH SAVING BEHAVIOR AS MEDIATING VARIABLE ON CIVIL SERVANTS IN TANJUNGPINANG." International Journal of Advance Research and Innovative Ideas In Education 10, no. 3 (2024): 4799-4803.
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