The Influence of Financial Literacy and Financial Technology on Bank Account Opening Mediated by Financial Behavior (Study in West Jakarta)

Michael Samuel Gouw, Rudolf Lumbantobing and Eka Desy Purnama
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Michael Samuel Gouw: Krida Wacana Christian University, Faculty of Economics and Business
Rudolf Lumbantobing: Krida Wacana Christian University, Faculty of Economics and Business
Eka Desy Purnama: Krida Wacana Christian University, Faculty of Economics and Business

A chapter in Proceedings of the 1st Bengkulu International Conference on Economics, Management, Business and Accounting (BICEMBA 2023), 2023, pp 191-197 from Springer

Abstract: Abstract Bank account opening in the past few years has not increased significantly. People who open accounts can still be said not to compensate for technology and the influence of one’s financial behavior which is very influential in opening an account at the Bank. This study has several objectives, namely to determine the effect of financial literacy, financial technology, and financial behavior on opening bank accounts, and to identify whether financial behavior can mediate the effect of financial literacy and financial technology on opening bank accounts. This study uses the type of data Primary data taken directly from customers who want to open a bank account. The research sample was 125 respondents and the Regression Method was used for data analysis. The results of this study are Financial Literacy and Financial Technology have a positive and significant effect on Financial Behavior, Financial Literacy is not significant to Opening an Account at the Bank. Financial Technology has a positive and significant effect on opening an account at the Bank. Financial Behavior mediates the effect of Financial Literacy and Financial Technology on Opening an Account at the Bank.

Keywords: Financial Literacy; Financial Technology; Financial Behavior; Bank Account Opening (search for similar items in EconPapers)
Date: 2023
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Persistent link: https://EconPapers.repec.org/RePEc:spr:advbcp:978-94-6463-328-3_23

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DOI: 10.2991/978-94-6463-328-3_23

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