Pengaruh Penggunaan Financial Technology Terhadap Pertumbuhan Startup Digital dengan Literasi Keuangan sebagai Variabel Mediasi
DOI:
https://doi.org/10.30640/jumma45.v5i1.6069Keywords:
Digital, Financial Literacy, Financial Technology, Growth, StartupAbstract
The development of financial technology has provided ease of access to financial services and has become one of the factors that can drive the growth of digital startups. However, the utilization of fintech by digital startup actors still requires adequate financial literacy support in order to be optimally utilized in business management and development. This study aims to analyze the effect of financial technology usage on the growth of digital startups with financial literacy as a mediating variable. This study uses a quantitative approach with data collection techniques through questionnaires distributed to digital startup actors in Lamongan Regency. The analysis method used is Structural Equation Modeling–Partial Least Square (SEM-PLS). The results of the study show that the use of financial technology has a positive and significant effect on the growth of digital startups, financial technology has a positive and significant to financial literacy, and financial literacy has a positive and significant effect on the growth of digital startups. In addition, financial literacy can also mediate the effect of financial technology on the growth of digital startups. The findings of this study indicate that increased utilization of fintech, supported by good financial literacy, can more optimally drive the growth of digital startups.
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