Proceedings of the 4th International Conference on Management and Business (ICOMB 2025)

<Previous Article In Volume
Next Article In Volume>

The Influence of Financial Literacy, Benefit Perception, Risk Perception and Digital Entrepreneurial Intention on the Use of Fintech by UST Yogyakarta Students

Authors
Karolina Arina Mira1, *, Ratih Kusumawardhani1, Suleman Sarwar2
1Management Study Program, Faculty of Economics, Universitas Sarjanawiyata Tamansiswa, Yogyakarta, Indonesia
2University of Jeddah, Makkah, Saudi Arabia
*Corresponding author. Email: arianamirakarolina@gmail.com
Corresponding Author
Karolina Arina Mira
Available Online 24 April 2026.
DOI
10.2991/978-94-6239-656-2_22How to use a DOI?
Keywords
Financial Literacy; Benefit Perception; Risk Perception; Digital Entrepreneurial Intention; Student Fintech Use
Abstract

This study aims to analyze the influence of financial literacy, benefit perception, risk perception, and digital entrepreneurial intention on the use of fintech in UST Yogyakarta students. Using a quantitative approach and multiple linear regression with 100 respondents, the results showed that the four independent variables had a significant effect on student fintech use. Financial literacy, benefit perception, risk perception, and digital entrepreneurial intention have a significant positive effect on fintech use. The R2 value of 0.691 indicates that the fourth variable explains 69.1% of the variation in fintech use. The sampling technique used is probability sampling-simple or random sampling. These findings emphasize the importance of perception and intention in increasing students’ use of fintech.

Copyright
© 2026 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Download article (PDF)

<Previous Article In Volume
Next Article In Volume>
Volume Title
Proceedings of the 4th International Conference on Management and Business (ICOMB 2025)
Series
Advances in Economics, Business and Management Research
Publication Date
24 April 2026
ISBN
978-94-6239-656-2
ISSN
2352-5428
DOI
10.2991/978-94-6239-656-2_22How to use a DOI?
Copyright
© 2026 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Karolina Arina Mira
AU  - Ratih Kusumawardhani
AU  - Suleman Sarwar
PY  - 2026
DA  - 2026/04/24
TI  - The Influence of Financial Literacy, Benefit Perception, Risk Perception and Digital Entrepreneurial Intention on the Use of Fintech by UST Yogyakarta Students
BT  - Proceedings of the 4th International Conference on Management and Business (ICOMB 2025)
PB  - Atlantis Press
SP  - 267
EP  - 277
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6239-656-2_22
DO  - 10.2991/978-94-6239-656-2_22
ID  - Mira2026
ER  -