The Influence of Financial Literacy, Benefit Perception, Risk Perception and Digital Entrepreneurial Intention on the Use of Fintech by UST Yogyakarta Students

Karolina Arina Mira (), Ratih Kusumawardhani and Suleman Sarwar
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Karolina Arina Mira: Universitas Sarjanawiyata Tamansiswa, Management Study Program, Faculty of Economics
Ratih Kusumawardhani: Universitas Sarjanawiyata Tamansiswa, Management Study Program, Faculty of Economics
Suleman Sarwar: University of Jeddah

A chapter in Proceedings of the 4th International Conference on Management and Business (ICoMB 2025), 2026, pp 267-277 from Springer

Abstract: Abstract This study aims to analyze the influence of financial literacy, benefit perception, risk perception, and digital entrepreneurial intention on the use of fintech in UST Yogyakarta students. Using a quantitative approach and multiple linear regression with 100 respondents, the results showed that the four independent variables had a significant effect on student fintech use. Financial literacy, benefit perception, risk perception, and digital entrepreneurial intention have a significant positive effect on fintech use. The R2 value of 0.691 indicates that the fourth variable explains 69.1% of the variation in fintech use. The sampling technique used is probability sampling-simple or random sampling. These findings emphasize the importance of perception and intention in increasing students’ use of fintech.

Keywords: Financial Literacy; Benefit Perception; Risk Perception; Digital Entrepreneurial Intention; Student Fintech Use (search for similar items in EconPapers)
Date: 2026
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Persistent link: https://EconPapers.repec.org/RePEc:spr:advbcp:978-94-6239-656-2_22

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DOI: 10.2991/978-94-6239-656-2_22

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