Analisis Pengaruh Kredibilitas Financial Technology, Literasi Keuangan, Dan Literasi Financial Technology Terhadap Intensitas Penggunaan Fintech (Studi Kasus Pada Generasi Z Wilayah Karesidenan Pekalongan)

2026-01-28T16:33:26+08:00

This study aims to analyze the effect of financial technology credibility, financial literacy, and financial technology literacy on the intensity of Fintech use among users in the Pekalongan Prefecture. The study used a quantitative approach with multiple linear regression analysis techniques to test the relationship between the independent and dependent variables. The results showed that financial technology credibility and financial technology literacy have a significant influence on the intensity of Fintech use, while financial literacy has no significant effect. The contribution of these variables to the intensity of Fintech use reached 22.1%, with financial technology credibility and literacy being the main driving factors. This study emphasizes the importance of improving financial education and strengthening trust in Fintech services to encourage wider adoption of financial technology.

Marketplace Shopee Dan Nasib UMKM: Inovasi Atau Monopoli Digital?

2026-02-14T13:13:23+08:00

The growth of e-commerce has opened significant opportunities for Micro, Small, and Medium Enterprises (MSMEs) to expand their market reach. However, the dominance of marketplace platforms such as Shopee presents new challenges for the sustainability of MSMEs. Marketplaces that initially offered incentives to sellers are now implementing policies that favor the platform, such as increased service fees, sales commissions, and the entrance of official shops and celebrities, which intensify competition. This study aims to analyze the impact of Shopee's changing business strategies on MSMEs and consumer behavior in response to rising prices and additional policies, as well as strategies to remain competitive amid the dominance of official shops and large-scale businesses on Shopee. This research adopts a qualitative phenomenological approach, involving interviews with sellers to understand their experiences in dealing with marketplace policy changes. The findings show that Shopee’s strategic shift has narrowed profit margins for small sellers and resellers, while consumers have become increasingly selective by comparing prices across platforms. Marketplace policies that are increasingly profit-oriented may exacerbate market inequality, reduce MSMEs' competitiveness, and limit consumer choices. Therefore, adaptive strategies are needed for MSMEs to survive, such as diversifying sales platforms and optimizing digital marketing strategies.

J-EBIS (Jurnal Ekonomi dan Bisnis Islam)

Analisis Pengaruh Kredibilitas Financial Technology, Literasi Keuangan, Dan Literasi Financial Technology Terhadap Intensitas Penggunaan Fintech (Studi Kasus Pada Generasi Z Wilayah Karesidenan Pekalongan)

Marketplace Shopee Dan Nasib UMKM: Inovasi Atau Monopoli Digital?