The Impact of Mobile Banking on Personal Finance Management: A Study of Vocational Students at Universitas Sebelas Maret

Thania Puspa Anggraeni, Rosita Mei Damayanti

Abstract

This study examines the factors influencing mobile banking adoption for personal financial management among vocational students at Universitas Sebelas Maret, focusing on perceived usefulness, ease of use, and social influence using the frameworks of TAM (Davis, 1989) and UTAUT (Venkatesh, 2003). As mobile banking becomes increasingly essential for digital financial services, understanding how young users adopt and utilize mobile banking is important. This study surveyed 142 vocational students at Universitas Sebelas Maret to assess their adoption of mobile banking for personal financial management. It examined their perceptions of mobile banking’s usefulness, ease of use, and social influence. Data were collected through structured questionnaires, and analyzed using regression techniques in Stata 19. The research also considered demographic factors such as gender, semester, and study program cluster to ensure the robustness of the findings. The results show that perceived usefulness and social influence significantly impact students’ financial planning behaviors, while perceived ease of use did not show a significant effect. These findings suggest that improving digital financial literacy and increasing awareness of mobile banking's benefits are key to enhancing students' personal financial management practices. Additionally, the banking industry needs to continue providing mobile banking services that are genuinely useful, so they can be adopted by students for better financial planning.

Penelitian ini meneliti faktor-faktor yang mempengaruhi adopsi mobile banking untuk manajemen keuangan pribadi di kalangan mahasiswa vokasi Universitas Sebelas Maret, dengan fokus pada persepsi manfaat, kemudahan penggunaan, dan pengaruh sosial menggunakan kerangka kerja TAM (Davis, 1989) dan UTAUT (Venkatesh, 2003). Seiring dengan semakin pentingnya mobile banking dalam layanan keuangan digital, pemahaman tentang bagaimana pengguna muda mengadopsi dan memanfaatkan mobile banking menjadi sangat penting. Penelitian ini mensurvei 142 mahasiswa vokasi Universitas Sebelas Maret untuk menilai adopsi mereka terhadap mobile banking untuk manajemen keuangan pribadi. Penelitian ini mengkaji persepsi mahasiswa terhadap manfaat mobile banking, kemudahan penggunaan, dan pengaruh sosial. Data dikumpulkan melalui kuesioner terstruktur dan dianalisis menggunakan teknik regresi di Stata 19. Penelitian ini juga mempertimbangkan faktor demografis seperti jenis kelamin, semester, dan rumpun program studi untuk memastikan kekuatan hasil penelitian. Hasil penelitian menunjukkan bahwa persepsi manfaat dan pengaruh sosial secara signifikan mempengaruhi perilaku perencanaan keuangan mahasiswa, sementara persepsi kemudahan penggunaan tidak menunjukkan pengaruh yang signifikan. Temuan ini menunjukkan bahwa meningkatkan literasi keuangan digital dan meningkatkan kesadaran akan manfaat mobile banking merupakan kunci untuk meningkatkan praktik manajemen keuangan pribadi mahasiswa. Selain itu, industri perbankan perlu terus menyediakan layanan mobile banking yang benar-benar bermanfaat, sehingga dapat diadopsi oleh mahasiswa untuk perencanaan keuangan yang lebih baik.

Keywords

Mobile Banking, Persepsi Kemudahan, Persepsi Manfaat, Pengaruh Sosial, Pengelolaan Keuangan Pribadi

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DOI: https://doi.org/10.20961/shes.v8i3.107433

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