The Influence of Digital Financial Literacy and Technology Support on Public Behavior in Using Digital Money with the Intensity of Digital Money Use as a Means Moderating Variables
Abstract
The development of digital technology and global financial innovation has shifted society's transaction paradigm, moving from a cash-based system to more efficient and faster digital transactions. The digital revolution, particularly in the financial sector, has driven the emergence of various payment instruments such as e-wallets, mobile banking, internet banking, and the Quick Response Code Indonesian Standard (QRIS), which has become a symbol of progress. modern payment systems (Bank Indonesia, 2024). This shift marks a significant digital economic transformation, with the use of cash decreasing as the adoption of financial technology increases. As a developing country with a large population, Indonesia has also felt the direct impact of this digitalization of the financial system. Bank Indonesia (BI) responded to this change through the National Non-Cash Movement (GNNT) policy since 2014, which aims to expand public access to digital payment systems and strengthen national economic stability (Financial Services Authority [OJK], 2023). The GNNT is expected to create efficiency in financial transactions, increase economic transparency, and reduce the cost of distributing cash. However, Bank Indonesia maintains a balance between the non-cash system and cash, considering that cash remains relevant for most people, especially in areas with limited digital infrastructure. In this era of digital transformation, the phenomenon of digital money use is interesting to study because some people still maintain the habit of using physical money even though non-cash facilities are increasingly accessible.
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