
Explore financial inclusion and its indicators: access, usage, and quality, alongside financial literacy and mobile payments within the fintech context, using Indonesia as a case study.
Explore the fundamentals of financial literacy and its indicators (knowledge, behaviour, and attitude), highlighting how financial technology and mobile payment shape inclusion in Indonesia.
Explore mobile payment as a fintech solution and its core characteristics: mobility, compatibility, reachability, and convenience. See how these features support financial inclusion and literacy by enabling everyday digital transactions.
Explore how financial literacy and mobile money determine financial inclusion in Indonesia. Analyze research background, literature review, and hypothesis development to identify determinants and gaps.
Explore literature review and hypotheses on how mobile payment characteristics—mobility, compatibility, reachability, convenience—drive intention to use, financial inclusion, and financial literacy indicators: knowledge, behavior, and editor.
Analyze research methods, assess validity and reliability, and apply multiple linear regression on a quantitative study of millennials in Indonesian cities using Google Form surveys.
Learn to assess validity and reliability using construct validity and Cronbach's alpha (above 0.6), and use pilot testing to revise questions before deployment.
Explore multiple linear regression to assess how mobile payment characteristics and financial literacy indicators explain financial inclusion indicators, using R-squared, F-tests, and p-values for simultaneous and partial effects.
Examine the determinants of financial inclusion through regression results, validating financial literacy, mobile payments, and inclusion indicators. Report a 51.6% explained variance and discuss which hypotheses are supported.
Explore how mobility, convenience, and compatibility in mobile payments enhance financial inclusion. Analyze the roles of financial literacy, user behavior, and digital transition in shaping financial inclusion outcomes.
The changing of millennials’ lifestyle has driven Financial Technology to be massively adopted. Therefore, traditional transaction is shifted to technology adoption. Along with the Indonesian government goals to create cashless society, mobile payments are widely used and create inclusive finance. However, the index of financial inclusion in Indonesia are still far-off to achieve 90% as targeted by Indonesian President, Mr. Joko Widodo. Therefore, it is interesting to understand how mobile payment may impact on the financial inclusion. We focused on the characteristics of mobile payment, along with financial literacy, as the determinants of financial inclusion.
In this course, the student will have broader practical knowledge on how mobile payment could create inclusive finance, especially on the millennials’ point of view because it is prepared based on research survey. To have a better understanding, the course is divided into two main parts, which are theory (fundamental knowledge of variables used) and research practice (conducted financial inclusion research).
The students could accomplish this course in ±45 minutes and required to answer the quiz as the assessment of this course. Once the students complete this course, they will be able to understand how important the function of financial technology and financial literacy in promoting financial inclusion. Knowledge about conducting research will also be acquired by the students.