ANALISIS INTENSI PENGGUNAAN FINTECH SYARIAH DI KALANGAN GENERASI Z: TANTANGAN DAN PELUANG
DOI:
https://doi.org/10.33477/eksy.v6i1.7128Abstract
Generasi Z, yang tumbuh di era teknologi canggih, memerlukan pendekatan pembelajaran yang inovatif. Meskipun mereka mahir dalam penggunaan teknologi, baik pembelajaran daring maupun luring belum sepenuhnya memenuhi kebutuhan mereka. Mereka lebih suka pembelajaran melalui pengalaman dan kurang berminat berinteraksi secara langsung dengan orang banyak. Dalam pembelajaran fintech dan fintech syariah, mahasiswa terlibat dalam diskusi kelas dan aplikasi praktis, namun juga didorong untuk terlibat secara langsung dengan dunia industri keuangan. Sebagian besar mahasiswa menunjukkan minat tinggi karena menyadari potensi pertumbuhan industri ini di masa depan, menginginkan mata kuliah yang lebih aplikatif. Penelitian melibatkan kuisioner terkait intensi mahasiswa dalam menggunakan produk fintech, dengan enam variabel UTAUT dan dua variabel privasi. Hasilnya menunjukkan minat tinggi generasi Z pada fintech dan fintech syariah. Intensi penggunaan dipengaruhi secara positif dan signifikan oleh kondisi fasilitas dan dukungan privasi. Privasi dianggap sangat penting bagi generasi Z, menunjukkan kehati-hatian dalam penggunaan teknologi. Kesimpulannya, generasi Z menunjukkan antusiasme besar terhadap fintech dan fintech syariah. Fokus pada privasi dan kondisi fasilitas menjadi faktor utama dalam intensi penggunaan teknologi keuangan ini di kalangan mahasiswa.
Kata Kunci: Edukasi, Literasi Teknologi Keuangan, Fintech Syariah, UTAUT, Privasi
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