INANCIAL LITERACY AND ITS IMPACT ON DIGITAL PAYMENT TRANSFORMATION IN ABU LAHAP MAKASSAR RESTAURANT
DOI:
https://doi.org/10.61141/pabean.v8i1.813Keywords:
Financial literacy, digital payment transformation., transformation of digitalAbstract
The purpose of this study is to determine the influence of financial literacy on the transformation of digitalpayments in Abu Lahap Makassar restaurant, where in this study a quantitative and qualitative approach(mixed methods) is used. Data was collected through the distribution of questionnaires to 33 respondentswho were active consumers and had made digital transactions at Abu Lahap Makassar restaurants, as wellas through interviews to obtain more in-depth data. The quantitative data analysis technique uses simplelinear regression with the help of the SPSS 24 software. Meanwhile, qualitative data is analyzeddescriptively through reduction, data presentation, and conclusion drawn. The findings of this study showthat financial literacy has a positive and significant effect on digital payment transformation, with adetermination coefficient value (R2) of 0.646 and a significance value of 0.000 (less than 0.05). The resultsof the qualitative analysis also show that consumers with better literacy are able to access, understand,and use digital payment systems effectively. Each financial literacy indicator has a contribution to thesuccess of digital transformation, both technically and consumer behavior.References
Arikunto, S. (2010). Prosedur Penelitian Suatu Pendekatan Praktik. Jakarta: Rineka Cipta.
Atkinson, A., & Messy, F. A. (2012). Measuring financial literacy: Results of the OECD/International Network on Financial Education (INFE) pilot study.
Azwar, S. (2012). Reliabilitas dan validitas. (Edisi 4). Yogyakarta: Pustaka Pelajar.
Brigham, E. F., & Ehrhardt, M. C. (2017). Financial Management-Theory and Practice, 15e. Cengage Learning, 1221.
Brigham, E. F., & Houston, J. F. (2019). Fundamentals of financial management. Cengage Learning.
Choi, J. J., Laibson, D., & Madrian, B. C. (2011). $100 bills on the sidewalk: Suboptimal investment in 401 (k) plans. Review of Economics and statistics, 93(3), 748-763.
Creswell, J. W. (2015). Educational research: Planning, conducting, and evaluating quantitative and qualitative research. pearson.
Creswell, J. W., & Creswell, J. D. (2017). Research design: Qualitative, quantitative, and mixed methods approaches. Sage publications.
Dahlberg, T., Mallat, N., Ondrus, J., & Zmijewska, A. (2008). Past, present and future of mobile payments research: A literature review. Electronic commerce research and applications, 7(2), 165-181.
Danuri, Muhamad. "Perkembangan dan transformasi teknologi digital." Jurnal ilmiah infokam 15.2 (2019).
Dewi, S., Febria, G., & Anggraini, R. (2022). Pengaruh Teknologi Keuangan Terhadap Preferensi Konsumen Memilih Uang Digital Dalam Transaksi Keuangan. J. Ilm. Adm. Bisnis dan Inov, 6(1), 72-85.
Fatimah, S., & Suib, M. S. (2019). Transformasi Sistem Pembayaran Pesantren Melalui E-Money Di Era Digital (Studi Pondok Pesantren Nurul Jadid). Jurnal Ekonomi Dan Bisnis, 20(2), 96-108.
Ghozali, I. (2018). Aplikasi Analisis Multivariate dengan Program IBM SPSS 25. Semarang: Badan Penerbit Universitas Diponegoro.
Gitman, L. J., Juchau, R., & Flanagan, J. (2015). Principles of managerial finance (pp. 5–9). Pearson Higher Education AU.
Huston, S. J. (2010). Measuring financial literacy. Journal of consumer affairs, 44(2), 296-316.
Hutahaean, L., Shabrina, A. R., Martiani, Y., Syakduzzaman, S., Yulia, A., & Gunardi, G. (2024). PERAN SISTEM PEMBAYARAN DIGITAL DALAM MENINGKATKAN PENJUALAN UMKM. Jurnal Teknologi Komputer dan Informatika, 3(1).
Kristanty, D. N. (2024). Tren dan tantangan keamanan bertransaksi dengan qris dalam era transformasi sistem pembayaran digital. Jurnal Syntax Admiration, 5(10), 3923-3933.
Lusardi, A., & Mitchell, O. S. (2011). Financial literacy and planning: Implications for retirement wellbeing (No. w17078). National Bureau of Economic Research.
Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. American Economic Journal: Journal of Economic Literature, 52(1), 5-44.
Lusardi, A., & Tufano, P. (2015). Debt literacy, financial experiences, and overindebtedness. Journal of pension economics & finance, 14(4), 332-368.
Miles, M. B., Huberman, A. M., & Saldaña, J. (2014). Qualitative data analysis: A methods sourcebook (3rd ed.). Thousand Oaks, CA: SAGE Publications.
Napitupulu, I. H., Situngkir, A., & Arfanni, C. (2020). Pengaruh transfer pricing dan profitabilitas terhadap tax avoidance. Kajian Akuntansi, 21(2), 126-141.
Neuman, W. L. (2014). Social Research Methods: Qualitative and Quantitative Approaches (7th ed.). Pearson Education.
Nisa, A. F. (2024). Pengaruh Literasi Keuangan Digital dan Pertumbuhan Usaha terhadap Kinerja Keuangan UMKM di Wilayah Kampung Marketer Karangmoncol Purbalingga. Skripsi, Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri.
Otoritas Jasa Keuangan. (2024). Survei Nasional Literasi dan Inklusi Keuangan (SNLIK) 2024. Diakses dari: https://ojk.go.id
Pasaribu, F. A., Boangmanalu, R. S., Simamora, M. K., & Panjaitan, R. (2025). Pengaruh Literasi Keuangan Dan Penggunaan Payment Gateway Terhadap Kinerja Keuangan UMKM Kuliner Di Kecamatan Medan Baru. Jurnal Media Informatika, 7(1), 183-189.
Remund, D. L. (2010). Financial literacy explicated: The case for a clearer definition in an increasingly complex economy. Journal of consumer affairs, 44(2), 276-295.
Sekaran, U., & Bougie, R. (2016). Research Methods for Business: A Skill Building Approach (7th ed.). John Wiley & Sons.
Sinaga, K. A. S., Irene, J., & Christanti, R. (2023). Digital adoption and financial performance: Evidence from Indonesian SMEs in food and beverage sector. Return: Study of Management, Economic and Bussines, 2(4), 423-434.
Statista. (2024). Leading digital payment methods used in Indonesia as of June 2024. Diakses dari:https://www.statista.com/statistics/1464890
Sugiyono. (2019). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung: Alfabeta.
Sulpiana, P., Liong, H., & Makkira, M. (2025). Implementation of Accounting Information Systems to Improve Cafe Financial Management Regency. Point of View Research Accounting and Auditing, 6(2), 8-13.
Umar, H. (2013). Metode Penelitian untuk Skripsi dan Tesis Bisnis. Jakarta: Rajawali Pers.
Zhou, T. (2013). An empirical examination of continuance intention of mobile payment services. Decision Support Systems, 54(2), 1085-1091.
