Pengaruh Literasi Keuangan, Persepsi Risiko dan Aksesibilitas Terhadap Preferensi Masyarakat Dalam Menggunakan Fintech Syariah Di Era Digital

Abstract

This study aims to analyze the influence of financial literacy, risk perception, and accessibility on community preferences in using sharia fintech, focusing on employees of Leogatt Group. The results indicate that financial literacy does not significantly affect community preferences, with a T Statistic value of 1.734 and a P Value of 0.083. In contrast, risk perception has a significant positive effect with a T Statistic value of 2.074 and a P Value of 0.038. Accessibility also shows a significant positive effect on community preferences with a T Statistic value of 3.623 and a P Value of 0.000. These findings emphasize the importance of risk management and accessibility in enhancing community interest in using sharia fintech.