THE EFFECT OF DIGITAL PAYMENTS AND FINANCIAL VULNERABILITY MODERATED BY FINANCIAL LITERACY

Covery Adi Saputro; Ujang Suherman; Rengga Madya Pranata

doi:10.58468/remics.v3i3.110

THE EFFECT OF DIGITAL PAYMENTS AND FINANCIAL VULNERABILITY MODERATED BY FINANCIAL LITERACY

Authors

Covery Adi Saputro Universitas Buana Perjuangan Karawang
Ujang Suherman Universitas Buana Perjuangan Karawang
Rengga Madya Pranata Universitas Buana Perjuangan Karawang

DOI:

https://doi.org/10.58468/remics.v3i3.110

Keywords:

Financial Vulnerability, Financial Literacy, Digital Payment

Abstract

Purpose: To determine the effect of digital payments and financial literacy on financial vulnerability in UBP Karawang management students.

Research Methodology: Quantitative research; population: UBP Karawang management students (Class of 2020-2023, n=1948); sample: 95 students; data collection via Google Forms; analysis using moderated regression analysis.

Results: Digital payments did not significantly affect financial vulnerability; 88.7% influence of digital payments and financial literacy on financial vulnerability; financial literacy moderates the relationship.

Limitations: The study is limited to UBP Karawang management students, which may affect generalizability.

Contribution: Useful for fields such as financial education, digital finance, and consumer behavior in Indonesia.

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Published

2024-10-31

How to Cite

Covery Adi Saputro, Ujang Suherman, & Rengga Madya Pranata. (2024). THE EFFECT OF DIGITAL PAYMENTS AND FINANCIAL VULNERABILITY MODERATED BY FINANCIAL LITERACY. Journal Of Resource Management, Economics And Business, 3(3), 1–14. https://doi.org/10.58468/remics.v3i3.110