Influence Fintech Payment, Financial Literacy, and Financial Self-Efficacy Against User Financial Behavior Mobile Banking

Abstract

This research aims to analyze the factors that influence financial behavior in society which can be seen from fintech payments, financial literacy, and financial self-efficacy. The research method uses a descriptive quantitative design using the smartPLS analysis technique. Research data was collected using a questionnaire distributed using a purposive sampling method. The research sample was people of productive age in Jepara Regency who used mobile banking facilities as many as 100 respondents. The research results show that fintech payments have a direct influence on financial behavior, financial literacy also has a direct influence on financial behavior, and likewise financial self-efficacy also has a direct influence on financial behavior. So it can be concluded that these three factors can influence and also support the development within each individual. The results of this research show the importance of improving the quality of financial payment technology, the extent of literacy and the level of trust and self-confidence in individual financial behavior who used mobile banking.