Proceedings of the 1ST Bengkulu International Conference on Economics, Management, Business and Accounting (BICEMBA 2023)

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The Influence of Financial Literacy and Financial Technology on Bank Account Opening Mediated by Financial Behavior (Study in West Jakarta)

Authors
Michael Samuel Gouw1, *, Rudolf Lumbantobing2, Eka Desy Purnama3
1Faculty of Economics and Business, Krida Wacana Christian University, Jakarta, Indonesia
2Faculty of Economics and Business, Krida Wacana Christian University, Jakarta, Indonesia
3Faculty of Economics and Business, Krida Wacana Christian University, Jakarta, Indonesia
*Corresponding author.
Corresponding Author
Michael Samuel Gouw
Available Online 21 December 2023.
DOI
10.2991/978-94-6463-328-3_23How to use a DOI?
Keywords
Financial Literacy; Financial Technology; Financial Behavior; Bank Account Opening
Abstract

Bank account opening in the past few years has not increased significantly. People who open accounts can still be said not to compensate for technology and the influence of one’s financial behavior which is very influential in opening an account at the Bank. This study has several objectives, namely to determine the effect of financial literacy, financial technology, and financial behavior on opening bank accounts, and to identify whether financial behavior can mediate the effect of financial literacy and financial technology on opening bank accounts. This study uses the type of data Primary data taken directly from customers who want to open a bank account. The research sample was 125 respondents and the Regression Method was used for data analysis. The results of this study are Financial Literacy and Financial Technology have a positive and significant effect on Financial Behavior, Financial Literacy is not significant to Opening an Account at the Bank. Financial Technology has a positive and significant effect on opening an account at the Bank. Financial Behavior mediates the effect of Financial Literacy and Financial Technology on Opening an Account at the Bank.

Copyright
© 2023 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.

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Volume Title
Proceedings of the 1ST Bengkulu International Conference on Economics, Management, Business and Accounting (BICEMBA 2023)
Series
Advances in Economics, Business and Management Research
Publication Date
21 December 2023
ISBN
10.2991/978-94-6463-328-3_23
ISSN
2352-5428
DOI
10.2991/978-94-6463-328-3_23How to use a DOI?
Copyright
© 2023 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  - Michael Samuel Gouw
AU  - Rudolf Lumbantobing
AU  - Eka Desy Purnama
PY  - 2023
DA  - 2023/12/21
TI  - The Influence of Financial Literacy and Financial Technology on Bank Account Opening Mediated by Financial Behavior (Study in West Jakarta)
BT  - Proceedings of the 1ST Bengkulu International Conference on Economics, Management, Business and Accounting (BICEMBA 2023)
PB  - Atlantis Press
SP  - 191
EP  - 197
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-328-3_23
DO  - 10.2991/978-94-6463-328-3_23
ID  - Gouw2023
ER  -