D IMN 1910165 Title

MODEL PENGEMBANGAN LITERASI FINTECH
TERHADAP KEPUTUSAN MENGGUNAKAN UANG

ELEKTRONIK DI INDONESIA
DISERTASI
Diajukan Untuk Memenuhi Sebagian Dari Syarat Untuk

Memperoleh Gelar Doktor Ilmu Manajemen
Pada Program Studi Doktor Ilmu Manajemen
Disusun Oleh:
Femmy
1910165
FAKULTAS PENDIDIKAN EKONOMI DAN BISNIS

UNIVERSITAS PENDIDIKAN INDONESIA
2022
Femmy, 2022
MODEL PENGEMBANGAN LITERASI FINTECH TERHADAP KEPUTUSAN MENGGUNAKAN UANG
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
LEMBAR PENGESAHAN
MODEL PENGEMBANGAN LITERASI FINTECH TERHADAP KEPUTUSAN

MENGGUNAKAN UANG ELEKTRONIK DI INDONESIA
Femmy
1910165
disetujui dan disahkan oleh:
Femmy, 2022
LEMBAR HAK CIPTA
FEMMY
NIM: 1910165
Sebuah Disertasi yang diajukan untuk memenuhi salah satu syarat

memperoleh gelar Doktor (Dr.) pada Program Studi Manajemen
© Femmy 2022
Universitas Pendidikan Indonesia
Januari 2022
Hak Cipta dilindungi undang-undang.

Disertasi ini tidak boleh diperbanyak seluruhnya atau sebagian,
dengan dicetak ulang, difoto kopi, atau cara lainnya tanpa ijin dari penulis
Femmy, 2022
KATA PENGANTAR
Segala puji dan syukur penulis panjatkan kehadirat Allah SWT, atas rahmat dan
limpahan hidayah-Nya. Alhamdulillah dengan izin-Nya penulis dapat menyelesaikan
disertasi ini sebagai bagian dari tahapan penyelesaian studi dan untuk memperoleh gelar
Doktor Ilmu Manajemen di Fakultas Pendidikan Ekonomi dan Bisnis Universitas
Pendidikan Indonesia. Disertasi penulis berjudul “Model Pengembangan Literasi
Fintech Terhadap Keputusan Menggunakan Uang Elektronik di Indonesia”. Disertasi ini
berisi permasalahan mengenai Keputusan menggunakan uang elektronik di Indonesia.
Penelitian ini merupakan sintesa yang dibentuk secara integratif dan komprehensif
dengan metode analisis bibliometrik dan systematic literature review dari literatur-
literatur penelitian terdahulu yang paling relevan dengan tujuan yang ingin dicapai
adalah bagaimana hubungan saling keterkaitan antara literasi fintech, lingkungan sosial,
kultur, perceived of enjoyment, payment habit dan Keputusan menggunakan. Penulis
sangat menyadari bahwa keberhasilan yang dicapai dalam pengajuan Disertai ini
disusun menjadi lima bab yaitu (1) Pendahuluan, (2) Kajian Pustaka, Kerangka
Pemikiran dan Hipotesis, (3) Metode Penelitian, (4) Hasil Penelitian dan Pembahasan,
serta (5) Kesimpulan, Implikasi Penelitian dan Rekomendasi. Penulis menyadari bahwa
disertasi ini masih belum sempurna, oleh karena itu saran dan masukan untuk perbaikan
disertasi ini sangat diharapkan. Akhirnya penulis mengucapkan terima kasih kepada
semua pihak yang telah membantu terwujudnya disertasi ini.
Bandung, 06 Januari 2022

Femmy
Femmy, 2022
UCAPAN TERIMA KASIH
Puji Syukur penulis Panjatkan kehadirat Allah SWT atas limpahan rahmat dan
karuniaNya, sehingga penyusunan Disertasi yang berjudul “Model Pengembangan
Literasi Fintech Terhadap Keputusan Menggunakan Uang Elektronik di Indonesia” ini
dapat diselesaikan dengan baik. Penyusunan Disertasi ini dilakukan dalam rangka
memenuhi salah satu syarat untuk memperoleh gelar Doktor Ilmu Manajemen di
Fakultas Pendidikan Ekonomi dan Bisnis Universitas Pendidikan Indonesia. Penulis
menyadari bahwa dalam proses penulisan Disertasi ini banyak mengalami kendala,
namun berkat bantuan, bimbingan, kerjasama dari berbagai pihak dan berkah dari Allah
SWT sehingga kendala-kendala yang dihadapi tersebut dapat diatasi. Penulis menyadari
bahwa disertasi ini tidak mungkin dapat diselesaikan tanpa doa restu, dukungan,
dorongan, kesabaran dan keihklasan dari segenap anggota keluarga, Kedua orang tua,
ayahanda H Effendy SH, ibunda Hj Holmiwati Semit, ayahanda mertua H Ismail, yang
senantiasa selalu mendoakan dan memotivasi penulis. Suamiku tercinta Advokat H
Benny Iswari SH, anak-anakku, Rania Belva Syafitri dan M Faris Alfarrel, atas
pengertian, kesabaran, dukungannya dan selalu memberikan ruang dalam proses ini.
Kakak dan Adik-adik tercinta, yang telah mendoakan dan selalu memberikan dukungan.
Pada kesempatan ini, penulis mengucapkan terimakasih yang sebesar-besarnya kepada
Rektor, Dekan, Wakil Dekan, Ketua Prodi, Promotor, Co promotor dan anggota tim
promotor yang telah banyak meluangkan waktu untuk memberikan bimbingan secara
terus menerus kepada penulis. Ucapan terimakasih kepada Bapak dan Ibu dosen di
lingkungan Program Studi Doktor Ilmu Manajemen Fakultas Pendidikan Ekonomi dan
Bisnis Universitas Pendidikan Indonesia, dalam memberikan bimbingannya selama
perkuliahan. Ucapan terima kasih kepada pihak-pihak yang tidak dapat saya sebutkan
satu persatu yang telah membantu dan memberikan dukungannya. Penulis menyadari
bahwa hasil penelitian ini masih jauh dari kesempurnaan, oleh sebab itu segala saran
dan kritikan yang bersifat membangun dari berbagai pihak penulis harapkan demi
perbaikan dimasa yang akan datang.
Bandung, 06 Januari 2022
Femmy
Femmy, 2022
Femmy (1910165), ”Model Pengembangan Literasi Fintech Terhadap Keputusan
Menggunakan Uang Elektronik Di Indonesia”. Disertasi Doktor Ilmu Manajemen
Fakultas Pendidikan Ekonomi dan Bisnis Universitas Pendidikan Indonesia, dibawah
bimbingan Prof. Dr. Hj. Ratih Hurriyati, M.P., Prof. Dr. H. Disman, M.S., dan Dr. H
Mokh Adib Sultan S.T.,M.M .
ABSTRAK
Penelitian ini dilakukan atas fenomena peningkatan penggunaan uang
elektronik, namun sebaran pengguna uang elektronik masih belum seimbang dan
optimal, dimana pengguna terbesar ada pada kelompok generasi millennial. Model
penelitian dibentuk dari sintesa literatur-literatur penelitian terdahulu dengan
menggunakan bibliomterik analisis dan systematic literature review. Tujuan yang ingin
dicapai adalah bagaimana hubungan saling keterkaitan antara literasi fintech,
lingkungan sosial, kultur, perceived of enjoyment, payment habit, pada generasi milenial
dan generasi senior di Indonesia terhadap keputusan untuk menggunakan uang
elektronik. Penelitian ini menggunakan uang elektronik berbasis server sebagai unit
analisis dengan teknik purposive sampling dimana 384 responden kategori millennial
dan 100 responden kategori senior. Penelitian ini merupakan penelitian verifikatif
dengan eksplanasi survei dan tenik analisis deskriptif dan inferensial. Analisa data
menggunakan Structural Equation Model (SEM) melalui Sofware LISREL 8.7.
Penelitian ini menemukan bahwa integrasi model TAM,DOI,UTAUT dan IRT sangat
baik dan kuat dan menjelaskan keputusan menggunakan sebesar 82% pada millennial
dan 78% senior. Hasil analisis deskriptif menunjukkan bahwa variabel literasi fintech,
lingkungan sosial, kultur, Perceived of enjoyment, payment habit dan keputusan
menggunakan terukur dalam kategori tinggi. Hasil uji hipotesis menunjukkan bahwa
pengaruh literasi fintech dengan mediating perceived of enjoyment berpengaruh dengan
tingkat signifikansi paling tinggi terhadap payment habit. Payment habit berpengaruh
signifikan tinggi pada keputusan menggunakan pada kategori millennial maupun senior.
Novelty dari penelitian ini menghasilkan model baru adopsi teknologi pembayaran
dengan melihat faktor pendorong dan faktor penghambat dengan usia sebagai variabel
moderasi.
Keywords: Uang elektronik, Literasi fintech, Lingkungan Sosial, Kultur,

Perceived of enjoyment, Payment Habit, Keputusan Menggunakan
Femmy, 2022
ABSTRACT
This research was conducted on the phenomenon of the increasing use of

electronic money, but the distribution of electronic money users is still not balanced and
optimal, where the most prominent users are in the millennial generation group. The
research model synthesizes previous research literature using bibliometric analysis and
systematic literature review. The goal to be achieved is the interrelationships between
fintech literacy, social environment, culture, perceived enjoyment, payment habits in the
millennial and senior generations in Indonesia towards the decision to use electronic
money. This study uses server-based electronic money as the unit of analysis with a
purposive sampling technique where 384 respondents are in the millennial category,
and 100 respondents are in the senior category. This research is verification research
with survey explanation and descriptive and inferential analysis techniques. Data
analysis using Structural Equation Model (SEM) through LISREL 8.7 software. This
study found that integrating the TAM, DOI,UTAUT, and IRT models was very good and
strong and explained the decision to use by 82% of millennials and 78% of seniors. The
results of the descriptive analysis show that the variables of fintech literacy, social
environment, culture, perceived enjoyment, payment habit, and decision to use are
measured in the high category. The hypothesis test results show that the influence of
fintech literacy with mediating perceived enjoyment has the highest level of significance
on payment habits. Payment habits have a highly significant effect on decisions to use
in the millennial and senior categories. The novelty of this study resulted in a new
model of payment technology adoption by looking at the driving and inhibiting factors
with age as a moderating variable.
Keywords: Electronic Money, Fintech Literation, Social Environment, Culture,

Perceived of enjoyment, Payment habit, Actual Use
Femmy, 2022
DAFTAR ISI
HALAMAN JUDUL...................................................................................................... i
LEMBAR PENGESAHAN ........................................................................................... ii
LEMBAR HAK CIPTA ............................................................................................... iii
KATA PENGANTAR ................................................................................................. iv
UCAPAN TERIMA KASIH ......................................................................................... v
ABSTRAK .................................................................................................................. vi
DAFTAR ISI ............................................................................................................. viii
DAFTAR TABEL....................................................................................................... xii
DAFTAR GAMBAR .................................................................................................. xv
BAB I PENDAHULUAN ............................................................................................. 1
1.1. Latar Belakang Penelitian ..................................................................................... 1
1.2. Rumusan Masalah Penelitian .............................................................................. 20
1.3. Tujuan Penelitian ............................................................................................... 21
1.4. Manfaat Penelitian.............................................................................................. 21
BAB II KAJIAN PUSTAKA, KERANGKA PEMIKIRAN DAN HIPOTESIS ........... 23
2.1. Kajian Pustaka ................................................................................................... 23
2.1.1. Uang Elektronik .................................................................................. 23
2.1.2. Teori Perbedaan Generasi ................................................................... 25
2.1.3. Manajemen Pemasaran........................................................................ 26
2.1.4. Perilaku Konsumen ............................................................................. 27
2.1.5. Model Perilaku Konsumen .................................................................. 30
2.1.6. Analisis Bibliometrik .......................................................................... 34
2.1.7. Systematic Literature Review.............................................................. 38
2.1.8. Technology Acceptance Model (TAM) ............................................... 41
2.1.9. Unified Theory of Acceptance and Use of Technology (UTAUT) ....... 43
2.1.10. Teori Resistensi Inovasi ...................................................................... 45
2.1.11. Keputusan Pembelian/Menggunakan/Actual Usage ............................. 46
2.1.12. Literasi Fintech ................................................................................... 49
2.1.13. Lingkungan Sosial .............................................................................. 54
2.1.14. Kultur ................................................................................................. 56
2.1.15. Persepsi Kesenangan/Perceived of Enjoyment .................................... 58
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2.1.16. Kebiasaan Pembayaran/Payment Habit ............................................... 60
2.2. Penelitian Terdahulu........................................................................................... 62
2.3. Kerangka Pemikiran ........................................................................................... 74
2.3.1. Literasi fintech dan lingkungan sosial terhadap
perceived of enjoyment ...................................................................... 79
2.3.2. Literasi Fintech , lingkungan sosial, kultur dan perceived of enjoyment
terhadap Payment Habit ...................................................................... 80
2.3.3. Literasi Fintech, lingkungan sosial, kultur, perceived of enjoyment dan
payment habit terhadap Keputusan Menggunakan ............................... 81
2.3.12. Usia Memoderasi Literasi Fintech, lingkungan sosial, kultur, perceived
of enjoyment dan payment habit terhadap Keputusan Menggunakan ... 83
2.4. Hipotesis Penelitian ........................................................................................... 85
BAB III METODE PENELITIAN .............................................................................. 89
3.1. Design Penelitian ............................................................................................... 89
3.2. Partisipan Penelitian ........................................................................................... 90
3.3. Populasi dan Sampel Penelitian .......................................................................... 91
3.4. Definisi dan Operasional variabel ....................................................................... 94
3.5. Jenis dan Sumber Data ..................................................................................... 104
3.6. Uji Instrumen Penelitian ................................................................................... 104
3.6.1. Uji Validitas Instrumen dengan SPSS ................................................ 104
3.6.2. Uji Realibilitas Instrumen dengan SPSS ............................................. 105
3.7. Teknik Analisis Data ......................................................................................... 105
3.7.1. Rancangan Analisis Deskriptif ........................................................... 106
3.7.2. Rancangan Analisis Inferensial .......................................................... 106
3.7.2.1. Pengembangan Model dan Rancangan Jalur ................................ 107
3.7.2.2. Evaluasi Uji Kesesuaian Model ................................................... 111
3.7.2.3. Confirmatory Factor Analysis (CFA) .......................................... 112
3.7.2.4. Uji Reliabilty .............................................................................. 113
3.7.2.5. Uji Discriminant Validity ............................................................ 114
3.7.2.6. Second Order CFA Full Model .................................................... 114
3.7.2.7. Uji Kecocokan Keseluruhan Model atau Uji Kesesuaian
Goodness-of- fit .......................................................................... 115
3.8. Pengujian Hipotesis .......................................................................................... 117
3.8.1. Uji Moderasi ...................................................................................... 118
3.8.2. Uji Sobel............................................................................................ 118
3.8.3. Uji Hipotesis Mayor:.......................................................................... 120
3.8.4. Uji Hipotesis Minor ........................................................................... 121
BAB IV HASIL PENELITIAN DAN PEMBAHASAN ............................................ 125
4.1. Profil Responden .............................................................................................. 125
Femmy, 2022
4.2. Karakteristik Responden................................................................................... 125
4.2.1. Karakteristik Responden Berdasarkan Jenis uang elektronik berbasis
server yang digunakan ........................................................................ 126
4.2.2. Karakteristik Responden Berdasarkan Domisili.  ............................. 127
4.2.3. Karakteristik Responden Berdasarkan Jenis Kelamin ......................... 130
4.2.4. Karakteristik Responden Berdasarkan Usia.  ................................... 131
4.2.5. Karakteristik Responden Berdasarkan Jenis Pekerjaan ....................... 133
4.2.6. Karakteristik Responden Berdasarkan Tingkat Pendidikan ................. 134
4.2.7. Karakteristik Responden Berdasarkan Pendapatan ............................. 135
4.2.8. Karakteristik Responden Berdasarkan Intensitas Penggunaan UEBS .. 136
4.2.9. Karakteristik Responden Berdasarkan Nominal Penggunaan .............. 137
4.2.10. Karakteristik Responden Berdasarkan Frekwensi Penggunaan ........... 138
4.3. Uji Validitas dan Reliabilitas dengan SPSS ........................................................ 139
4.4. Analisis Deskriptif ............................................................................................. 145
4.4.1. Jawaban Responden Terhadap Variabel Literasi Fintech (LF) ,X1 ..... 149
4.4.2. Jawaban Responden Terhadap Variabel Lingkungan Sosial (LS) ,X2 . 168
4.4.3. Jawaban Responden Terhadap Variabel Kultur (KU), X3................... 179
4.4.4. Jawaban Responden Terhadap Variabel
Perceived of Enjoyment (PS), Y1 ..................................................... 189
4.4.5. Jawaban Responden Terhadap Variabel Payment Habit (PH),Y2 ...... 191
4.4.6. Jawaban Responden Terhadap Variabel Keputusan Menggunakan
(KP),Y3 ............................................................................................. 195
4.5. Analisis Inferensial............................................................................................. 199
4.5.1. Pengembangan Model dan Rancangan Jalur ....................................... 199
4.5.2. Konversi Rancangan Jalur Kedalam Persamaan ................................. 201
4.5.3. Evaluasi Uji Kesesuaian Model (Asumsi SEM)................................. 203
4.5.4. Confirmatory Factor Analysis (CFA) ................................................. 205
4.5.4.1. Analisis Offending Estimates ...................................................... 205
4.5.4.2. Uji Convergent Validity .............................................................. 205
4.5.5. Uji Reliability .................................................................................... 219
4.5.5.1. Ukuran Construct Reliability (CR) .............................................. 219
4.5.5.2. Ukuran Average Variance Extracted ........................................... 219
4.5.6. Uji Discriminant Validity ................................................................... 223
4.5.7. Second Order CFA Full Model .......................................................... 226
4.5.8. Uji Kecocokan Keseluruhan Model atau Uji Kesesuaian
Goodness-of-fit .................................................................................. 233
4.5.9. Model Struktural Equation Modeling (SEM) ...................................... 238
4.6. Pengujian Hipotesis .......................................................................................... 248
4.7. Pembahasan Hasil Penelitian ............................................................................ 277
Femmy, 2022
4.8. Temuan dan Novelty Penelitian ........................................................................ 293
4.8.1. Temuan Penelitian ............................................................................. 293
4.8.2. Novelty Penelitian.............................................................................. 296
4.9. Keterbatasan Penelitian .................................................................................... 300
BAB V SIMPULAN, IMPLIKASI DAN REKOMENDASI ..................................... 302
5.1. Simpulan .......................................................................................................... 302
5.2. Implikasi .......................................................................................................... 308
5.3. Rekomendasi .................................................................................................... 309
DAFTAR PUSTAKA ............................................................................................... 312
LAMPIRAN
Lampiran 1: Kuesioner
Lampiran 2: Output Lisrel
Femmy, 2022
DAFTAR TABEL
Tabel 2. 1 Perbedaan Generasi (Lancaster dan Stillman) ............................................ 25

Tabel 2. 2 Jurnal Inti Penelitian Topik Pembayaran Digital berdasarkan Data Scopus
kurun waktu 2016-2020 ............................................................................ 36
Tabel 2. 3 Model teori yang digunakan Topik Pembayaran (2016-2020) .................... 40
Tabel 2. 4 Penelitian Terdahulu .................................................................................. 62
Tabel 2. 5 Kerangka konseptual Penelitian ................................................................. 77
Tabel 3. 1 Skor Alternatif Jawaban............................................................................. 90
Tabel 3. 2 Ukuran sampel minimal dan jumlah variabel Joreskog dan Sorbom ........... 92
Tabel 3. 3 Definisi Variabel dan Operasional Penelitian ............................................. 94
Tabel 3. 4 Persamaan Model Pengukuran ................................................................. 107
Tabel 3. 5 Model Persamaan Struktural .................................................................... 109
Tabel 3. 6 Kriteria Evaluasi Model Dengan Goodness Of Fit Measures .................... 116
Tabel 4. 1 Karakteristik Responden Berdasarkan Jenis Uang Elektronik berbasis server
Yang Digunakan ...................................................................................... 126
Tabel 4. 2 Karakteristik Responden Berdasarkan Domisili ....................................... 127
Tabel 4. 3 Karakteristik Responden Berdasarkan Jenis Kelamin ............................... 130
Tabel 4. 4 Karakteristik Responden Berdasarkan Usia.............................................. 131
Tabel 4. 5 Karakteristik Responden Berdasarkan Jenis Pekerjaan ............................. 132
Tabel 4. 6 Karakteristik Responden Berdasarkan Tingkat Pendidikan ...................... 133
Tabel 4. 7 Karakteristik Responden Berdasarkan Pendapatan ................................... 134
Tabel 4. 8 Karakteristik Responden Berdasarkan Intensitas Penggunaan UEBS ...... 135
Tabel 4. 9 Karakteristik Responden Berdasarkan Nominal Penggunaan ................... 137
Tabel 4. 10 Karakteristik Responden Berdasarkan Frekwensi Penggunaan ............... 138
Tabel 4. 11 Hasil Uji Validitas ................................................................................. 140
Tabel 4. 12 Hasil Uji Reliabilitas.............................................................................. 142
Tabel 4. 13 Kriteria Pengukuran Jawaban Responden .............................................. 145
Tabel 4. 14 Analisis Statistik deskriptif Millennial ................................................... 146
Tabel 4. 15 Analisis Statistik deskriptif Senior ......................................................... 147
Femmy, 2022
Tabel 4. 16 Jumlah dan Persentase Jawaban Responden Terhadap Variabel Literasi
Fintech (LF)-Generasi Millennial ........................................................... 149
Tabel 4. 17 Jumlah dan Persentase Jawaban Responden Terhadap Variabel Literasi
Fintech (LF)-Generasi Senior ................................................................. 158
Tabel 4. 18 Jumlah dan Persentase Jawaban Responden Terhadap Variabel Lingkungan
Sosial (LS)-Generasi Millennial ............................................................. 168
Tabel 4. 19 Jumlah dan Persentase Jawaban Responden Terhadap Variabel Lingkungan
Sosial (LS)-Generasi Senior .................................................................. 173
Tabel 4. 20 Jumlah dan Persentase Jawaban Responden Terhadap Variabel Kultur (KU)
Generasi Millennial .............................................................................. 179
Tabel 4. 21 Jumlah dan Persentase Jawaban Responden Terhadap Variabel Kultur (KU)
Generasi Senior .................................................................................... 182
Tabel 4. 22 Jumlah dan Persentase Jawaban Responden Terhadap
of Enjoyment (PS), Y1 Generasi Millennial .......................................... 186
Tabel 4. 23 Jumlah dan Persentase Jawaban Responden Terhadap Perceived of
Enjoyment (PS), Y1 Generasi Senior ..................................................... 189
Tabel 4. 24 Jumlah dan Persentase Jawaban Responden Terhadap Payment Habit (PH),
Generasi Millennial ............................................................................... 191
Tabel 4. 25 Jumlah dan Persentase Jawaban Responden Terhadap Variabel Payment
Habit (PH), Y2 Generasi Senior ............................................................ 193
Tabel 4. 26 Jumlah dan Persentase Jawaban Responden Terhadap Variabel Keputusan
Menggunakan (KP), Generasi Millennial .............................................. 195
Tabel 4. 27 Jumlah dan Persentase Jawaban Responden Terhadap Variabel Keputusan
Menggunakan (KP), Generasi Senior ..................................................... 197
Tabel 4. 28 Persamaan Model Pengukuran ............................................................... 200
Tabel 4. 29 Model Persamaan Struktural .................................................................. 201
Tabel 4. 30 Test of Univariate Normality for Continuous Variables ......................... 203
Tabel 4. 31 Test of Multivariate Normality for Continuous Variables ....................... 204
Tabel 4. 32 SLF Variabel LF .................................................................................... 208
Tabel 4. 33 SLF Variabel LS .................................................................................... 209
Femmy, 2022
Tabel 4. 34 SLF Variabel KU ................................................................................... 211
Tabel 4. 35 SLF Variabel PS .................................................................................... 212
Tabel 4. 36 SLF Variabel PH ................................................................................... 213
Tabel 4. 37 SLF Variabel KP ................................................................................... 214
Tabel 4. 38 Hasil Uji Reliabilitas (CR dan VE) ........................................................ 220
Tabel 4. 39 Hasil Uji Validitas dan Reliabilitas pada kategori millennial .................. 220
Tabel 4. 40 Hasil Uji Validitas dan Reliabilitas pada kategori Senior ....................... 222
Tabel 4. 41 Uji Discriminant Validity Millennial ..................................................... 224
Tabel 4. 42 Uji Discriminant Validity Senior ........................................................... 225
Tabel 4. 43 Simplis syntax Lisrel 8.7 Kategori Millennial ........................................ 227
Tabel 4. 44 Simplis syntax Lisrel 8.7 Kategori Senior .............................................. 230
Tabel 4. 45 Uji Kecocokan Keseluruhan Model (Goodness of Fit) kategori Millennial
................................................................................................................................. 235
Tabel 4. 46 Uji Kecocokan Keseluruhan Model (Goodness of Fit) kategori Senior .... 236
Tabel 4. 47 Analisis Multi Grup (Usia) .................................................................... 240
Tabel 4. 48 Kesimpulan Uji Hipotesis ...................................................................... 253
Femmy, 2022
DAFTAR GAMBAR
Gambar 1. 1 Data Peredaran Uang Elektronik .............................................................. 3

Gambar 1. 2 Data Volume dan Nominal Transaksi Uang Elektronik ............................ 3
Gambar 1. 3 Sebaran Jenis uang elektronik yang digunakan ......................................... 5
Gambar 1. 4 Profil Penduduk Nasional Berdasarkan Status Sosial Ekonomi ................. 6
Gambar 1. 5 Pengguna Uang Elektronik Berbasis Server Berdasarkan Usia ................. 8
Gambar 2. 1 Tahapan Proses Konsumsi ...................................................................... 27
Gambar 2. 2 The Whell Of Consumer Behavior .......................................................... 28
Gambar 2. 3 Model Perilaku Konsumen Howarh and Seth ........................................ 32
Gambar 2. 4 Model Perilaku Konsumen Schiffman dan Kanuk ................................... 34
Gambar 2. 5 Peta perkembangan bidang topik mobile, payment, e-wallet, electronic
walet, digital payment terindeks Scopus 2016 - 2020 .............................. 36
Gambar 2. 6 Systematic Literature Review : kata kunci; mobile, payment, e-wallet,
electronic money, digital payment ........................................................... 39
Gambar 2. 7 Technology Acceptance Model (TAM) .................................................. 41
Gambar 2. 8 Unified Theory of Acceptance and Use of Technology (UTAUT) ........... 43
Gambar 2. 9 Teori Resistensi Inovasi .......................................................................... 44
Gambar 2. 10 Tahapan Keputusan Pembelian ............................................................. 46
Gambar 2. 11 Kerangka Berpikir ................................................................................. 75
Gambar 2. 12 ParadigmaPenelitian ............................................................................. 83
Gambar 2. 13 Hubungan Mediasi Antar Variabel ........................................................ 85
Gambar 3. 1 Path Diagram Model ............................................................................. 106
Gambar 3. 2 Hubungan Tidak Langsung X Mempengaruhi Y Lewat Mediating ........ 118
Gambar 4. 1 Gambaran Karakteristik Responden Berdasarkan Jenis UEBS yang
Digunakan ............................................................................................ 125
Gambar 4. 2 Gambaran Karakteristik Responden Berdasarkan Domisili.................... 128
Gambar 4. 3 Gambaran Karakteristik Responden Berdasarkan Jenis Kelamin .......... 129
Gambar 4. 4 Gambaran Karakteristik Responden Berdasarkan Usia ......................... 130
Gambar 4. 5 Gambaran Karakteristik Responden Berdasarkan Jenis Pekerjaan ......... 131
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Gambar 4. 6 Gambaran Karakteristik Responden Berdasarkan Tingkat Pendidikan ... 132
Gambar 4. 7 Gambaran Karakteristik Responden Berdasarkan Pendapatan ............... 133
Gambar 4. 8 Gambaran Karakteristik Responden Berdasarkan Intensitas Penggunaan
UEBS .................................................................................................. 135
Gambar 4. 9 Gambaran Karakteristik Responden Berdasarkan Nominal Penggunaan 136
Gambar 4. 10 Karakteristik Responden Berdasarkan Frekwensi Penggunaan ............ 138
Gambar 4. 11 Diagram Variabel Literasi Fintech Kategori Millennial dan kategori
Senior ................................................................................................. 165
Gambar 4. 12 Diagram Variabel Lingkungan Sosial .................................................. 176
Gambar 4. 13 Diagram Variabel Kultur ..................................................................... 184
Gambar 4. 14 Diagram variabel Perceived of Enjoyment .......................................... 189
Gambar 4. 15 Diagram variabel Kebiasaan Pembayaran............................................ 193
Gambar 4. 16 Diagram variabel Keputusan Menggunakan ........................................ 197
Gambar 4. 17 Path Diagram Hybrid Model ............................................................... 200
Gambar 4. 18 Nilai standardize loading factor Variabel Literasi Fintech Milllenial .. 205
Gambar 4. 19 Nilai standardize loading factor Variabel Literasi Fintech Senior ........ 205
Gambar 4. 20 Nilai loading factor Variabel Lingkungan Sosial Millennial ................ 207
Gambar 4. 21 Nilai loading factor Variabel Lingkungan Sosial Senior ...................... 207
Gambar 4. 22 Nilai loading factor Variabel Kultur Millennial ................................... 208
Gambar 4. 23 Nilai loading factor Variabel Kultur Senior ......................................... 209
Gambar 4. 24 Nilai loading factor Variabel Perceived of enjoyment millennial ......... 210
Gambar 4. 25 nilai loading factor Variabel Perceived of enjoyment senior ................ 210
Gambar 4. 26 nilai loading factor Variabel Payment Habit millennial ....................... 211
Gambar 4. 27 nilai loading factor Variabel Payment Habit senior.............................. 211
Gambar 4. 28 Nilai loading factor Variabel Keputusan Menggunakan Millennial ...... 212
Gambar 4. 29 Nilai loading factor Variabel Keputusan Menggunakan Senior ............ 212
Gambar 4. 30 CFA2nd SLF Millennial ..................................................................... 213
Gambar 4. 31 CFA 2nd t-value Millennial ................................................................ 214
Gambar 4. 32 CFA2nd SLF Senior ........................................................................... 215
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Gambar 4. 33 CFA2nd t-value Senior ...................................................................... 216
Gambar 4. 34 CFA2nd full model : Basic Model Standardize Solution Millennial..... 226
Gambar 4. 35 CFA2nd Full model : Basic Model t-Values Millennial ...................... 227
Gambar 4. 36 CFA2nd full model : Basic Model Standardize Solution Senior........... 229
Gambar 4. 37 CFA2nd full model : Basic t-values Senior ......................................... 231
Gambar 4. 38 Hubungan Tidak Langsung X Mempengaruhi Y Lewat Mediating ...... 250
Gambar 4. 39 Structural Model T-Values full model ................................................. 251
Gambar 4. 40 Structural Model T-Values Millennial ................................................. 251
Gambar 4. 41 Structural Model T-Values Senior ....................................................... 252
Gambar 4. 42 Consumer Journey Model .................................................................. 282
Gambar 4. 43 Customer Education ........................................................................... 286
Gambar 4. 44 Model Temuan 1 ................................................................................ 294
Gambar 4. 45 Model Konsep Variabel Literasi Fintech ............................................. 297
Gambar 4. 46 Model Moderating Usia ...................................................................... 297
Gambar 4. 47 Model Mediating Variabel ................................................................. 298
Gambar 4. 48 Model Konsep Variabel Lingkungan Sosial ........................................ 298
Gambar 4. 49 Model Konsep Variabel Kultur ........................................................... 299
Gambar 4. 50 Formation Payment Habit Model ........................................................ 300
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MODEL PENGEMBANGAN LITERASI FINTECH

TERHADAP KEPUTUSAN MENGGUNAKAN UANG

Diajukan Untuk Memenuhi Sebagian Dari Syarat Untuk

FAKULTAS PENDIDIKAN EKONOMI DAN BISNIS

MODEL PENGEMBANGAN LITERASI FINTECH TERHADAP KEPUTUSAN

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Bandung, 06 Januari 2022

Keywords: Uang elektronik, Literasi fintech, Lingkungan Sosial, Kultur,

This research was conducted on the phenomenon of the increasing use of

Keywords: Electronic Money, Fintech Literation, Social Environment, Culture,

Tabel 2. 1 Perbedaan Generasi (Lancaster dan Stillman) ............................................ 25

Gambar 1. 1 Data Peredaran Uang Elektronik .............................................................. 3

Acheampong, P., L. Zhiwen, H. A. Antwi, and ... 2017. “Hybridizing an Extended

Influencing Intention to Purchase Local Community Product on E-Commerce Website:

Self-Efficacy, Perceived Enjoyment, and Individual Mobility on Attitude toward

Payment Habits - Do Mobile Payments and Electronic Invoices Attract

of Technology (UTAUT) Model.” Tourism Management 43:70–88.

Hassan, M., S. S. A. S. Kazmi, and S. F. Padlee. 2019. “Technology Acceptance Model

Jahangiri, Mehdi, Milad Jahangiri, and Mohammadamir Najafgholipour. 2020. “The

Consumers’ Decisions, a Case of Mobile Payment Adoption.” Computers in

Individuals’ Switching Intention to Augmented/Virtual Reality Content Services

a Single Platform E-Payment.” Asia-Pacific Journal of Management Research and

Digital Content Marketing Augments Consumer Experience and Brand Loyalty.”

Mike Baynham. 1997. Literacy Practices: Investigating Literacy in Social Contexts.

Australian Stock Returns: Evidence from an Event Study.”

of Enterprise Information Management 32(1):118–51.

Bilgin, H. Danis, E. Demir, and U. Tony-Okeke. Cham: Springer International

Internet of Things (IoTs) in Smart Farming in a Typical Middle Eastern Country

Saeed, Z. 2019. “A Study of Theories on Consumer Behavior.” 有关消费者行为的一

Hussain. 2019. “Prosumption: Bibliometric Analysis Using HistCite and

Extended UTAUT Model.” Journal of Advances in Management Research

Behavioral Sciences 210(December 2015):43–51.

Diffusion Stages of WeChat Payments in China.” in 20th Pacific Asia Conference

Quality on Customer Satisfaction and Customer Loyalty: The Role of Personal

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