Intellectual Intelligence Moderation on the Influence of Fintech Transformation and Fintech Innovation on Women's Financial Literacy Capacity

Sihar Tambun, Fitri Nurwanti

2022

Abstract

This study provides empirical evidence regarding the effect of fintech transformation and fintech innovation on women’s financial literacy capacity with intellectual intelligence as a moderating variable. The results of this study indicate that fintech transformation has a positive effect on women’s financial literacy capacity. Where fintech transformation creates convenience for individuals, especially women, in digitally transacting, the convenience created by fintech transformation has a significant effect on women’s financial literacy capacity. Fintech innovation has a significant effect on women’s financial literacy capacity. Innovation fintech provides convenience by adopting cashless payments that provide a safer mode of payment for individuals, the ease of digital transactions has a significant influence on women’s financial literacy capacity. 425 respondents from among women in Indonesia were sampled in this study. Data analysis using structural equation modeling partial least squares (PLS-SEM). Based on the results of the study, shows that fintech transformation has a significant effect on women’s financial literacy capacity which is moderated by intellectual intelligence, and fintech innovation has a positive effect on women’s financial literacy capacity which is moderated by intellectual intelligence. The results of this study recommend for women that the existence of fintech transformation and fintech innovation can facilitate women in financial matters. Digital transactions make financial activities more effective and efficient. In addition to the convenience provided by fintech, women must have intellectual intelligence to minimize the risks that may occur from fintech, and with intellectual intelligence, women are expected to be able to use fintech as well as possible. The existence of fintech transformation and fintech innovation moderated by intellectual intelligence is believed to be able to help increase the capacity of financial literacy and financial inclusion for women in Indonesia.

Paper Citation

in Harvard Style

Tambun S. and Nurwanti F. (2022). Intellectual Intelligence Moderation on the Influence of Fintech Transformation and Fintech Innovation on Women's Financial Literacy Capacity. In Proceedings of the 3rd International Seminar and Call for Paper (ISCP) UTA ’45 Jakarta - Volume 1: ISCP UTA'45 Jakarta; ISBN 978-989-758-654-5, SciTePress, pages 22-31. DOI: 10.5220/0011864900003582

in Bibtex Style

@conference{iscp uta'45 jakarta22,
author={Sihar Tambun and Fitri Nurwanti},
title={Intellectual Intelligence Moderation on the Influence of Fintech Transformation and Fintech Innovation on Women's Financial Literacy Capacity},
booktitle={Proceedings of the 3rd International Seminar and Call for Paper (ISCP) UTA ’45 Jakarta - Volume 1: ISCP UTA'45 Jakarta},
year={2022},
pages={22-31},
publisher={SciTePress},
organization={INSTICC},
doi={10.5220/0011864900003582},
isbn={978-989-758-654-5},
}

in EndNote Style

TY - CONF

JO - Proceedings of the 3rd International Seminar and Call for Paper (ISCP) UTA ’45 Jakarta - Volume 1: ISCP UTA'45 Jakarta
TI - Intellectual Intelligence Moderation on the Influence of Fintech Transformation and Fintech Innovation on Women's Financial Literacy Capacity
SN - 978-989-758-654-5
AU - Tambun S.
AU - Nurwanti F.
PY - 2022
SP - 22
EP - 31
DO - 10.5220/0011864900003582
PB - SciTePress