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Does fintech literation affect cashless society and individual shopping culture?
(İstanbul Ticaret Üniversitesi, 2022) Ispriyahadi, Heri; Wati, Lela Nurlaela; Saputra, Wanda; Darwis, Hidayat; Zaenudin, Zaenudin
This research examines the impact of financial technology literacy on the phenomenon of a cashless society and the changes in individual spending culture in the millennial generation. Respondents in this study are millennials, particularly those born and grew up amid technological advances. They live in different Indonesian cities like Jakarta, Bogor, and Tangerang (Jabodetabek). This study employs the Structural Equation Modelling (SEM) to analyze the data. The result showed a significant positive effect of fintech literacy on a cashless society, fintech literacy on the individual shopping culture changes, cashless society on the personal shopping culture changes, and fintech literacy on the individual shopping culture changes in a cashless society. The results also show an increased cashless society; the millennials fully understand financial technology literacy. This condition will affect the transformation of the individual spending culture. In addition, the increased cashless society phenomenon will affect the culture of personal spending changes. The results are beneficial for the government’s financial technology policy. The fintech companies can use it as the evaluation material and motivation to innovate the fintech-based business.