Nabila Aqcahya, Heni Safitri, Dedi Hariyanto

The Influence Of Fintech Payment, Financial Literacy, And Lifestyle On Financial Management Of Shopee Paylater Users In Pontianak City With Income As A Moderating Variable

Introduction

The influence of fintech payment, financial literacy, and lifestyle on financial management of shopee paylater users in pontianak city with income as a moderating variable. Examines how Fintech Payment, Financial Literacy, and Lifestyle influence Shopee Paylater users' financial management in Pontianak, with income as a significant moderating variable.

Abstract

In an increasingly advanced digital era, technological innovations continue to develop, especially in payment systems. The use of financial technology (fintech) is growing, especially in urban areas such as Pontianak City. One of the most prominent innovations from fintech is the PayLater feature. From the phenomena that arise related to the widespread use of the PayLater feature, the purpose of this study is to examine the effect of Fintech Payment, Financial Literacy, and Lifestyle on the financial management of Shopee Paylater users in Pontianak City, with income as a moderating variable. This research uses associative methods and quantitative approaches. The data were analyzed using Moderated Regression Analysis (MRA) with SPSS software after being collected from 150 respondents through a questionnaire. The calculation results for Equation 1 are as follows: Y = 26,886 + (1,049 x 5) + (1,362 x 4) + (3,076 x 3) = 46,807. These results indicate that the financial management score derived from the direct influence of Fintech Payment, Financial Literacy, and Lifestyle is 46.807. The calculation results for Equation 2 are as follows: Y = 26.886 + (1.049 x 5) + (1.362 x 4) + (3.076 x 3) + (2.027 x 6) + (0.039 x 5 x 6) + (0.061 x 4 x 6) + (0.114 x 3 x 6) = 63.655. This result shows that the financial management score, after considering the effect of income (Z) and its interaction with Fintech Payment, Financial Literacy, and Lifestyle, is 63.655. These results indicate that the financial management score, after considering the effect of income (Z) and its interaction with Fintech Payment, Financial Literacy, and Lifestyle, is 63,655. The results of this study indicate that Fintech Payment, Financial Literacy, and Lifestyle show positive and significant results on Financial Management directly. The results of the influence of Fintech Payment, Financial Literacy, and Lifestyle which are moderated as moderating variable also get the result that income can moderate positively and significantly on financial management.

Review

This study tackles a highly relevant and timely topic concerning the interplay between modern financial technology and personal financial behavior, specifically among Shopee Paylater users in Pontianak City. The researchers aim to dissect the influence of Fintech Payment, Financial Literacy, and Lifestyle on Financial Management, introducing Income as a moderating variable. This objective is well-defined and addresses a pertinent gap in understanding how individuals manage their finances in the context of readily available credit and digital payment systems. The chosen quantitative approach, employing Moderated Regression Analysis (MRA) with SPSS on data from 150 respondents, appears suitable for investigating these hypothesized relationships. The abstract clearly outlines the primary findings, demonstrating that Fintech Payment, Financial Literacy, and Lifestyle directly exert a positive and significant influence on Financial Management. This direct effect underscores the importance of these factors in shaping users' financial behavior. Furthermore, a key strength and novel contribution of this research lies in identifying income as a significant positive moderator. The inclusion of the two equations provides a concise numerical summary of the direct and moderated effects, indicating a substantial increase in the financial management score when income and its interactions are considered. This suggests that income not only plays a role in financial management but also amplifies or alters how fintech usage, financial knowledge, and lifestyle choices impact it. While the abstract effectively summarizes the core findings, a full paper would benefit from deeper elaboration on several fronts. As an expert reviewer, I would look for a more thorough discussion of the theoretical frameworks underpinning these relationships and detailed operational definitions of the variables used. The abstract states "positive and significant results," but the magnitude and practical implications of these effects, particularly the moderating role of income, warrant a more nuanced interpretation beyond the raw scores. Future discussions should delve into policy implications, responsible lending, and consumer education, especially given the "widespread use" of PayLater and potential for debt accumulation. Additionally, the limitations regarding generalizability, given the sample size and single-city focus, should be thoroughly addressed in the final manuscript.

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