PERAN SISTEM PEMBAYARAN ELEKTRONIK DALAM MEMEDIASI HUBUNGAN ANTARA KECEMASAN KEUANGAN, NASIHAT KEUANGAN, KEMAMPUAN KEUANGAN, DAN LITERASI KEUANGAN TERHADAP KEPUASAN KEUANGAN

Abstrak

This study aims to analyze the direct and indirect effects of financial anxiety, financial advice, financial capability, and financial literacy on financial satisfaction with electronic payment systems as a mediating variable. This study was conducted in the community of Kendari City, Southeast Sulawesi Province, using a quantitative approach. A sample of 55 respondents was selected using a simple random sampling method. Data were collected through a Google Form-based questionnaire with a Likert scale and analyzed using Structural Equation Modeling (SEM) based on SmartPLS version 4. The results showed that financial anxiety had a significant positive effect on financial satisfaction and on the use of electronic payment systems. Financial advice did not have a significant positive effect on financial satisfaction but had a significant positive effect on electronic payment systems. Financial capability did not have a significant effect on either financial satisfaction or electronic payment systems. Financial literacy had a significant positive effect on financial satisfaction but not on electronic payment systems. Electronic payment systems themselves were shown to have a significant positive effect on financial satisfaction. From a mediation perspective, electronic payment systems played a positive and significant role in mediating the influence of financial anxiety and financial advice on financial satisfaction. However, this system did not play a significant role in mediating the relationship between financial capability and financial literacy on financial satisfaction. This finding indicates the importance of implementing digital payment technology in improving people's financial well-being.