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Title: :  THE IMPACT OF FINTECH ON FINANCIAL BEHAVIOR WITH SAVING BEHAVIOR AS MEDIATING VARIABLE ON CIVIL SERVANTS IN TANJUNGPINANG
PaperId: :  24231
Published in:   International Journal Of Advance Research And Innovative Ideas In Education
Publisher:   IJARIIE
e-ISSN:   2395-4396
Volume/Issue:    Volume 10 Issue 3 2024
DUI:    16.0415/IJARIIE-24231
Licence: :   IJARIIE is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Author NameAuthor Institute
Eka Maria SusantiUniversitas Batam
Muammar KhaddafiUniversitas Batam

Abstract

accounting, management, economic
Fintech, Financial Behavior, Saving Behavior
This study investigates the impact of fintech on financial behavior with saving behavior as a mediating variable among civil servants (PNS) in Tanjungpinang. Using a quantitative approach, data were collected through structured questionnaires from 100 respondents and analyzed using Smart-PLS. The results indicate that fintech usage significantly enhances financial behavior both directly and indirectly through improved saving behavior. The mediation analysis confirms that saving behavior partially mediates the relationship between fintech usage and financial behavior, highlighting the importance of fintech in promoting better financial practices. These findings suggest potential strategies for policymakers and financial institutions to encourage fintech adoption and improve financial health among users.

Citations

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IJARIIE Eka Maria Susanti, and Muammar Khaddafi. "THE IMPACT OF FINTECH ON FINANCIAL BEHAVIOR WITH SAVING BEHAVIOR AS MEDIATING VARIABLE ON CIVIL SERVANTS IN TANJUNGPINANG" International Journal Of Advance Research And Innovative Ideas In Education Volume 10 Issue 3 2024 Page 4799-4803
MLA Eka Maria Susanti, and Muammar Khaddafi. "THE IMPACT OF FINTECH ON FINANCIAL BEHAVIOR WITH SAVING BEHAVIOR AS MEDIATING VARIABLE ON CIVIL SERVANTS IN TANJUNGPINANG." International Journal Of Advance Research And Innovative Ideas In Education 10.3(2024) : 4799-4803.
APA Eka Maria Susanti, & Muammar Khaddafi. (2024). THE IMPACT OF FINTECH ON FINANCIAL BEHAVIOR WITH SAVING BEHAVIOR AS MEDIATING VARIABLE ON CIVIL SERVANTS IN TANJUNGPINANG. International Journal Of Advance Research And Innovative Ideas In Education, 10(3), 4799-4803.
Chicago Eka Maria Susanti, and Muammar Khaddafi. "THE IMPACT OF FINTECH ON FINANCIAL BEHAVIOR WITH SAVING BEHAVIOR AS MEDIATING VARIABLE ON CIVIL SERVANTS IN TANJUNGPINANG." International Journal Of Advance Research And Innovative Ideas In Education 10, no. 3 (2024) : 4799-4803.
Oxford Eka Maria Susanti, and Muammar Khaddafi. 'THE IMPACT OF FINTECH ON FINANCIAL BEHAVIOR WITH SAVING BEHAVIOR AS MEDIATING VARIABLE ON CIVIL SERVANTS IN TANJUNGPINANG', International Journal Of Advance Research And Innovative Ideas In Education, vol. 10, no. 3, 2024, p. 4799-4803. Available from IJARIIE, https://ijariie.com/AdminUploadPdf/THE_IMPACT_OF_FINTECH_ON_FINANCIAL_BEHAVIOR_WITH_SAVING_BEHAVIOR_AS_MEDIATING_VARIABLE_ON_CIVIL_SERVANTS_IN_TANJUNGPINANG_ijariie24231.pdf (Accessed : 10 June 2024).
Harvard Eka Maria Susanti, and Muammar Khaddafi. (2024) 'THE IMPACT OF FINTECH ON FINANCIAL BEHAVIOR WITH SAVING BEHAVIOR AS MEDIATING VARIABLE ON CIVIL SERVANTS IN TANJUNGPINANG', International Journal Of Advance Research And Innovative Ideas In Education, 10(3), pp. 4799-4803IJARIIE [Online]. Available at: https://ijariie.com/AdminUploadPdf/THE_IMPACT_OF_FINTECH_ON_FINANCIAL_BEHAVIOR_WITH_SAVING_BEHAVIOR_AS_MEDIATING_VARIABLE_ON_CIVIL_SERVANTS_IN_TANJUNGPINANG_ijariie24231.pdf (Accessed : 10 June 2024)
IEEE Eka Maria Susanti, and Muammar Khaddafi, "THE IMPACT OF FINTECH ON FINANCIAL BEHAVIOR WITH SAVING BEHAVIOR AS MEDIATING VARIABLE ON CIVIL SERVANTS IN TANJUNGPINANG," International Journal Of Advance Research And Innovative Ideas In Education, vol. 10, no. 3, pp. 4799-4803, May-Jun 2024. [Online]. Available: https://ijariie.com/AdminUploadPdf/THE_IMPACT_OF_FINTECH_ON_FINANCIAL_BEHAVIOR_WITH_SAVING_BEHAVIOR_AS_MEDIATING_VARIABLE_ON_CIVIL_SERVANTS_IN_TANJUNGPINANG_ijariie24231.pdf [Accessed : 10 June 2024].
Turabian Eka Maria Susanti, and Muammar Khaddafi. "THE IMPACT OF FINTECH ON FINANCIAL BEHAVIOR WITH SAVING BEHAVIOR AS MEDIATING VARIABLE ON CIVIL SERVANTS IN TANJUNGPINANG." International Journal Of Advance Research And Innovative Ideas In Education [Online]. volume 10 number 3 (10 June 2024).
Vancouver Eka Maria Susanti, and Muammar Khaddafi. THE IMPACT OF FINTECH ON FINANCIAL BEHAVIOR WITH SAVING BEHAVIOR AS MEDIATING VARIABLE ON CIVIL SERVANTS IN TANJUNGPINANG. International Journal Of Advance Research And Innovative Ideas In Education [Internet]. 2024 [Cited : 10 June 2024]; 10(3) : 4799-4803. Available from: https://ijariie.com/AdminUploadPdf/THE_IMPACT_OF_FINTECH_ON_FINANCIAL_BEHAVIOR_WITH_SAVING_BEHAVIOR_AS_MEDIATING_VARIABLE_ON_CIVIL_SERVANTS_IN_TANJUNGPINANG_ijariie24231.pdf
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