The Effect of Financial Technology on Financial Inclusion SMEs in Palembang City

DOI

10.2991/ahsseh.k.210122.015How to use a DOI?

Keywords

financial technology, financial inclusion, SMEs

Abstract

The urgent of study is to optimize of the use of financial technology and to expansive of financial inclusion. The purpose of this study was to determine and analyze the effect of financial technology on financial inclusion, the object of research was conducted on SMEs in Palembang City. The population used was 287 SMEs in Palembang City. The sample used was 74 people. The data collection method used a questionnaire. The analysis technique uses statistical tests through hypothesis testing, the coefficient of determination, and simple linear regression. Based on the results of the study, the results of the linear regression test showed that there was a positive and significant relationship between financial technology and financial inclusion. Hypothesis test results indicate that the financial technology variable has an influence on financial inclusion. Demographic factors of respondents such as productive age and having an undergraduate educational background with business ownership on the SME scale of the culinary business sub-sector in Palembang City already have knowledge of fintech. Respondents at the small business scale are more enthusiastic about increasing their knowledge, confidence, skills in the use of technology (fintech) so that they can increase the use of financial products and services (financial inclusion) according to their needs for both personal and business needs.

Copyright

© 2021, the Authors. Published by Atlantis Press.

Open Access

This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).

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TY  - CONF
AU  - Nur Rizka Erlianta
AU  - Marieska Lupikawaty
AU  - Titi Andriyani
PY  - 2021
DA  - 2021/01/25
TI  - The Effect of Financial Technology on Financial Inclusion SMEs in Palembang City
BT  - Proceedings of the 4th Forum in Research, Science, and Technology (FIRST-T3-20)
PB  - Atlantis Press
SP  - 84
EP  - 88
SN  - 2667-128X
UR  - https://doi.org/10.2991/ahsseh.k.210122.015
DO  - 10.2991/ahsseh.k.210122.015
ID  - Erlianta2021
ER  -