The Influence of Psychographic Factors, Demographic Factors, and Financial Behavior on Digital Financial Literacy
Keywords:
Psychographics, Demographics, Financial Behavior, Digital Financial Literacy, Government Employes
Abstract
This study aims to examine the influence of psychographic factors, demographic factors, and financial behavior on digital financial literacy among employees of the People’s Welfare Bureau of the Regional Secretariat of East Java. Using a quantitative approach, The results indicate that psychographic factors have a significant positive effect on digital financial literacy, suggesting that lifestyle, attitudes toward technology, and interest in digital learning contribute to improving employees’ understanding and use of digital financial services. Demographic factors were also found to have a significant positive effect on digital financial literacy, indicating that age, educational level, and income influence individuals’ ability to access and manage digital financial systems. In addition, financial behavior has a significant positive effect on digital financial literacy.
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Asep Munawar, Suryana, & Nugraha. (2020). Pengaruh literasi keuangan dan faktor demografi terhadap pengambilan keputusan berinvestasi (Survei pada mahasiswa STIE Wikara). Akuntabilitas, 14.
Dalima Landang, R., Widnyana, W., & Sukadana, W. (2021). Pengaruh literasi keuangan, perilaku keuangan dan pendapatan terhadap keputusan berinvestasi mahasiswa Fakultas Ekonomi Universitas Mahasaraswati Denpasar. Jurnal Emas.
Dewayani, T. (2021, July 5). Menyikapi pinjaman online, anugerah atau musibah. Dkjn.Kemenkeu.Go.Id. https://www.djkn.kemenkeu.go.id/kanwil-jabar/baca-artikel/14040/Menyikapi-Pinjaman-Online-Anugerah-Atau-Musibah.html
Fiika, A., Haqiqi, Z., & Pertiwi, T. K. (2022). Pengaruh financial technology, literasi keuangan dan sikap keuangan terhadap perilaku keuangan generasi Z di era pandemi COVID-19 pada mahasiswa UPN “Veteran” Jawa Timur. Seiko: Journal of Management & Business, 5(2). https://doi.org/10.37531/sejaman.v5i2.2301
Fitri Arianti, B. (2020). Pengaruh pendapatan dan perilaku keuangan terhadap literasi keuangan melalui keputusan berinvestasi sebagai variabel intervening. Jurnal Akuntansi, 10(1), 13–36. https://doi.org/10.33369/j.akuntansi.9.3.13-36
Jhonson, B. (2023). The influence of digital financial literacy on financial well-being through spending, saving, and investment behavior in Indonesia. Journal of Business Studies and Management Review (JBSMR), 6(2).
Kadoya, Y., & Rahim Khan, M. S. (2020). Financial literacy in Japan: New evidence using financial knowledge, behavior, and attitude. Sustainability (Switzerland), 12(9). https://doi.org/10.3390/su12093683
Kurniawan, S. (2021, October 26). Pinjol ilegal bermunculan akibat lemahnya sistem hingga perilaku masyarakat konsumtif sehingga terjerat “lintah digital.” BBC News Indonesia. https://www.bbc.com/indonesia/indonesia-58850599
Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5–44.
Normawati, R. A., & Santoso, E. E. (2023). Digital financial literacy pada milenial: Pendekatan knowledge, attitude dan behavior (KAB model). Jurnal Ilmiah Mahasiswa Manajemen, 5(1).
Rahayu, R., Ali, S., Aulia, A., & Hidayah, R. (2022). The current digital financial literacy and financial behavior in Indonesian millennial generation. Journal of Accounting and Investment, 23(1), 78–94. https://doi.org/10.18196/jai.v23i1.13205
Sartika, F., & Abdillah, L. (2020). Identifikasi segmentasi demografi, psikografis dan dampaknya pada keputusan pembelian. International Journal Administration, Business and Organization (IJABO), 1(1), 49–55.
Sugiyono. (2023). Metode penelitian kuantitatif, kualitatif, dan R&D. Alfabeta.
Published
2026-06-14
How to Cite
M. Fauzil Adhin, Yuhertiana, I., & Azmiyanti, R. (2026). The Influence of Psychographic Factors, Demographic Factors, and Financial Behavior on Digital Financial Literacy. International Journal of Economics, Business and Innovation Research, 5(04), 1032-1040. https://doi.org/10.63922/ijebir.v5i04.4210
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