Optimalisasi Teknologi Finansial untuk Inklusi Keuangan: Studi Kasus Penggunaan E-Wallet dikalangan Milenial
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Penelitian ini bertujuan untuk menganalisis pengaruh penggunaan dompet digital (e-wallet) terhadap perilaku konsumsi dan inklusi keuangan di kalangan generasi milenial. Menggunakan pendekatan mixed methods, studi ini menggabungkan data kuantitatif dari 180 responden di empat kabupaten di Madura (Bangkalan, Sampang, Pamekasan, dan Sumenep) dengan wawancara mendalam terhadap delapan informan. Hasil penelitian menunjukkan bahwa faktor kemudahan penggunaan, keamanan sistem, dan promosi digital seperti cashback dan diskon berkontribusi signifikan terhadap intensitas penggunaan e-wallet. Namun, sekitar 58% responden cenderung melakukan pembelian impulsif, sementara hanya 30% yang secara rutin mengatur anggaran atau mencatat pengeluaran. Selain itu, tekanan sosial dan pengaruh teman sebaya juga terbukti mendorong adopsi e-wallet sebagai bagian dari gaya hidup. Penelitian ini juga menyoroti bahwa e-wallet berperan penting dalam meningkatkan inklusi keuangan, khususnya bagi masyarakat di daerah dengan keterbatasan akses terhadap layanan perbankan formal. Meskipun begitu, masih ditemukan rendahnya literasi keuangan di kalangan responden, yang dapat memperburuk pengelolaan keuangan pribadi. Oleh karena itu, peningkatan literasi keuangan digital menjadi aspek krusial dalam memastikan penggunaan e-wallet yang sehat dan berkelanjutan. Temuan ini memberikan implikasi penting bagi penyedia layanan fintech dan pembuat kebijakan dalam merancang strategi adopsi teknologi finansial yang inklusif dan bertanggung jawab.
Optimizing Financial Technology for Financial Inclusion: Case Study of E-Wallet Usage among Millennials
Abstract
This study aims to analyze the impact of digital wallet (e-wallet) usage on consumption behavior and financial inclusion among millennials. Employing a mixed methods approach, the study combines quantitative data from 180 respondents across four districts in Madura (Bangkalan, Sampang, Pamekasan, and Sumenep) with in-depth interviews involving eight informants. The findings reveal that ease of use, system security, and digital promotions such as cashback and discounts significantly influence e-wallet usage. However, approximately 58% of respondents tend to make impulsive purchases, while only 30% consistently manage their budgets or record expenses. Social pressure and peer influence also encourage the adoption of e-wallets as part of a modern lifestyle. Furthermore, e-wallets play a vital role in expanding financial inclusion, especially in areas with limited access to formal banking services. Nevertheless, low levels of financial literacy among users pose risks to personal financial management. Enhancing digital financial literacy is thus essential to ensure the responsible and sustainable use of e-wallets. These findings offer key implications for fintech providers and policymakers in developing inclusive and accountable financial technology adoption strategies.
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