The Role of Financial Literacy in Mediating Financial Technology on Financial Inclusion

  • Clarance Margareth Elysia Hutagalung Department of Management, Faculty of Economics and Business, Tarumanagara University, Jakarta, Indonesia
  • Yusbardini Yusbardini Department of Management, Faculty of Economics and Business, Tarumanagara University, Jakarta, Indonesia
DOI: https://doi.org/10.47814/ijssrr.v9i2.3221
Keywords: Financial Technology, Financial Literacy, Financial Inclusion

Abstract

This study aims to determine the influence of financial technology on financial inclusion with financial literacy as a mediating variable. The data were collected through an online questionnaire distributed to 200 respondents who use financial technology services and reside in Jakarta. The sampling technique used was non-probability sampling with a purposive sampling approach. Data were analyzed using SEM-PLS with the SmartPLS software version 4.1.1.5. The results of this study show that: 1) financial technology has a positive and significant effect on financial literacy; 2) financial technology has a positive and significant effect on financial inclusion; 3) financial literacy has a positive and significant effect on financial inclusion; and 4) financial literacy is able to mediate the effect of financial technology on financial inclusion.

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Published
2026-01-21
How to Cite
Margareth Elysia Hutagalung, C., & Yusbardini, Y. (2026). The Role of Financial Literacy in Mediating Financial Technology on Financial Inclusion. International Journal of Social Science Research and Review, 9(2), 228-234. https://doi.org/10.47814/ijssrr.v9i2.3221
Issue
Vol 9 No 2 (2026): IJSSRR VOL 9 NO 2 2026 FEBRUARY
Section
Main Articles
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