ANALISIS FINANCIAL KNOWLEDGE HERDING BEHAVIOUR DAN ATTITUDE TOWARDS MONEY TERHADAP PREFERENSI PENGGUNAAN E-WALLET OLEH GENERASI X
DOI:
https://doi.org/10.36085/jee.v7i01.11140Abstrak
Penelitian ini bertujuan untuk menganalisis pengaruh financial knowledge, herding behaviour, dan attitude towards money terhadap preferensi penggunaan e-wallet pada Generasi X di Kota Palembang. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei melalui penyebaran kuesioner kepada responden Generasi X yang menggunakan layanan dompet digital. Teknik analisis data menggunakan regresi linear berganda dengan bantuan SPSS versi 26. Hasil penelitian menunjukkan bahwa secara parsial financial knowledge berpengaruh signifikan terhadap preferensi penggunaan e-wallet, herding behaviourberpengaruh positif dan signifikan terhadap preferensi penggunaan e-wallet, serta attitude towards moneyjuga berpengaruh positif dan signifikan terhadap preferensi penggunaan e-wallet. Secara simultan, ketiga variabel independen tersebut berpengaruh signifikan terhadap preferensi penggunaan e-walletpada Generasi X di Kota Palembang, dengan koefisien determinasi sebesar 67,3 persen, yang berarti bahwa sebagian besar variasi preferensi penggunaan e-walletdapat dijelaskan oleh ketiga variabel tersebut. Temuan ini menunjukkan bahwa preferensi penggunaan e-wallet pada Generasi X tidak hanya dipengaruhi oleh faktor rasional seperti pengetahuan keuangan, tetapi juga oleh faktor sosial dan psikologis. Penelitian ini diharapkan dapat menjadi referensi bagi penyedia layanan e-wallet dalam merancang strategi peningkatan adopsi layanan keuangan digital.
Kata kunci: financial knowledge, herding behaviour, attitude towards money, preferensi penggunaan e-wallet, Generasi X.
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