Financial Capability and Digital Adoption for Online Shopping Decision: Evidence from Surabaya Students

Kartikasari, Cynthia Yohanna and Prasetyowatie, Yohana Wahyu (2022) Financial Capability and Digital Adoption for Online Shopping Decision: Evidence from Surabaya Students. Wiga : Jurnal Penelitian Ilmu Ekonomi, 12 (2). pp. 110-117. ISSN 2088-0944 (Print); 2549-5992 (Online)

PDF 810-Article Text-2545-1-10-20220714.pdf - Published Version Download (712kB)

Abstract

This study aims to examine the effect of financial capabilities and digital adoption on online shopping decisions. The research results explain that individual financial capabilities such as access to bank services, digital banking services, and consultingfinancial issues with professionals encourage online shopping transactions. Online consumer behavior is also determined by perceived risk, trust in service providers, technology adoption, and use of social media. The type of research was quantitative by interviewing random sampling Surabaya students. Data analysis used multiple linear regression tests through validity test in terms of determining the feasibility of the questions in the questionnaire and reliability test, which stated that the respondents' answers to the questions in the questionnaire were consistent and could be seen from the results of Cronbach’s Alpha. The next stage is the classical assumption test, multicollinearity test, heteroscedasticity test, and multiple linear regression test. In addition, hypothesis testing was carried out through the F-test, T-test, and coefficient of determination.The results showed that financial capability and digital adoption had a significant influence on online shopping decisions. Keywords: Financial Capability, Digital Adoption, Online Shopping

Item Type:	Article
Uncontrolled Keywords:	Financial Capability, Digital Adoption, Online Shopping
Subjects:	H Social Sciences > HB Economic Theory H Social Sciences > HF Commerce H Social Sciences > HN Social history and conditions. Social problems. Social reform
Divisions:	Faculty of Business and Economic > Department of Economic
Depositing User:	CYNTHIA YOHANNA KARTIKASARI
Date Deposited:	28 Oct 2022 02:21
Last Modified:	28 Oct 2022 02:21
URI:	http://repository.ubaya.ac.id/id/eprint/42798

Actions (login required)

View Item