THE INFLUENCE OF INNOVATION, SHOPEEPAY, AND SPAYLATER ON FINANCIAL MANAGEMENT WITH DIGITAL LITERACY AS A MODERATING VARIABLE

Abstract

This study aims to determine the effect of innovation, ShopeePay, and SPayLater on financial management with digital literacy as a moderating variable at the Faculty of Economics, Sarjanawiyata University, Tamansiswa Yogyakarta. The population and sample in this study were active students in the third semester and above of the Faculty of Economics, totaling 717 people using purposive sampling techniques and determining the sample size using the Slovin formula. So based on the results of calculations using the Slovin formula, the respondents used in this study were 257 respondents. The data collection method used a questionnaire. In multiple linear analysis with data processing using SPSS software version 25. The results of this study indicate that innovation has a significant positive effect on financial management. ShopeePay has a significant positive effect on financial management. SPayLater has a significant positive effect on financial management. Digital literacy as a moderation can strengthen the influence of innovation on financial management. Digital literacy as a moderation can strengthen the influence of shopeepay on financial management. Digital literacy as a moderation is unable to strengthen the influence of spaylater on financial management.