THE INFLUENCE OF FINANCIAL TECHNOLOGY AND E-COMMERCE ON MILLENNIAL GENERATION BEHAVIOR WITH TRUST AS A MEDIATING VARIABLE

Authors

  • Aan Kanivia Universitas Jenderal Soedirman Author
  • Suliyanto Universitas Jenderal Soedirman Author
  • Yanuar E. Restianto Universitas Jenderal Soedirman Author

DOI:

https://doi.org/10.32424/icsema.1.1.32

Keywords:

Financial Technology, E-commerce, Trust, Millennial Behavior, TAM

Abstract

This study aims to examine the influence of Financial Technology and E-commerce on millennial generation behavior, with trust as a mediating variable. The theoretical framework used in this research is the Technology Acceptance Model (TAM). This research is quantitative research and uses a survey method through a questionnaire. A total of 172 millennial respondents from major cities in West Java were selected using stratified random sampling. Data were analyzed using Partial Least Squares (PLS). The results showed that Financial Technology has a significant positive influence on millennial financial behavior, while E-commerce has a significant negative influence. In addition, trust was found to have a significant positive influence on financial behavior and acted as a mediating variable in the relationship between Financial Technology and E-commerce with millennial behavior. These findings highlight the important role of trust in promoting responsible financial behavior among millennials and provide valuable insights for platform developers to prioritize user trust in their services. 

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Published

2025-08-12

Issue

Vol. 1 (2025): The International Conference on Sustainable Economics, Management, and Accounting (ICSEMA 2025) Proceeding

Section

Articles

How to Cite

THE INFLUENCE OF FINANCIAL TECHNOLOGY AND E-COMMERCE ON MILLENNIAL GENERATION BEHAVIOR WITH TRUST AS A MEDIATING VARIABLE. (2025). The International Conference on Sustainable Economics Management and Accounting Proceeding, 1(1), 340-350. https://doi.org/10.32424/icsema.1.1.32