Digital Financial Behavior in Family Financial Management: A Trust and Loyalty Perspective
DOI: 10.35760/ugefic.v8i1.169Abstract
Along with the rapid adoption of financial technology, digital money has become an important tool for managing daily financial transactions. However, a deep understanding of how psychological factors such as trust and loyalty influence a family's decision to use and continue using these services is still limited. This article analyzes the behavior of digital money usage in the context of family financial management, focusing on the roles of trust and loyalty as key factors. This study used a quantitative approach by distributing questionnaires to 30 female respondents who have a dominant influence and are responsible for financial management. These respondents are members of PUSPA Mojokerto City. Data were analyzed using the SmartPLS method to test the influence of digital financial behavior on family financial management, mediated by the variables of trust and loyalty. The results show that overall, Digital Financial Behavior is a dominant factor influencing respondents' decisions, while Family Financial Management has a significant effect on various aspects of financial management, whether consumptive, productive, or religious. The mediating role of the variables Loyalty and Trust in the relationship between the main variables was not statistically significant. This means that the stronger relationships in this research model are better explained through direct influence.
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