Integrasi Literasi Digital dan Edukasi Keuangan Syariah Terhadap Niat Menggunakan Fintech Syariah di Kalangan Generasi Z
Abstract
Penelitian ini bertujuan untuk menganalisis peran mediasi pendidikan keuangan Islam dalam hubungan antara literasi digital dan niat adopsi fintech Islam di kalangan Generasi Z di Indonesia. Penelitian ini menggunakan pendekatan kuantitatif eksplanatif dengan Structural Equation Modeling (SEM) berbasis Partial Least Squares (PLS). Data dikumpulkan melalui kuesioner daring dari 159 responden Generasi Z di wilayah Jambi. Hasil penelitian menunjukkan bahwa literasi digital memiliki pengaruh positif yang signifikan terhadap pendidikan keuangan Islam (? = 0,430) dan niat adopsi fintech Islam (? = 0,205). Pendidikan keuangan Islam juga memiliki pengaruh positif yang signifikan terhadap niat adopsi (? = 0,663). Temuan kunci membuktikan bahwa pendidikan keuangan Islam memediasi secara parsial hubungan antara literasi digital dan niat adopsi fintech Islam. Nilai R² sebesar 0,598 menunjukkan bahwa model tersebut dapat menjelaskan 59,8% variasi niat adopsi. Penelitian ini menyimpulkan bahwa pendidikan keuangan Islam merupakan faktor krusial dalam memperkuat pengaruh literasi digital terhadap adopsi fintech Islam di kalangan Generasi Z
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