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Articles
Articles
Bridging Financial Literacy and Sustainable Development: Validating the Technology Acceptance Model in Predicting FinB Edu Adoption
Fitriana Rakhma Dhanias, Amelia Ika Pratiwi, Hikma Anuqra
View Author Affiliations
- Fitriana Rakhma Dhanias: Universitas Brawijaya, Malang, Indonesia
- Amelia Ika Pratiwi: Universitas Brawijaya, Indonesia
- Hikma Anuqra: Universitas Brawijaya, Indonesia
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Abstract
The low level of financial literacy among secondary school students in Indonesia remains a concern. According to OJK data for 2024, the financial literacy rate is only 51.70%, below the financial inclusion index of 57.96%. This indicates that a gap still exists in access to digital financial services and in adequate understanding of risk, particularly among vocational high school students who are preparing to enter the workforce after completing their education. This condition requires immediate attention because financial education from an early age can support the achievement of the Sustainable Development Goals (SDGs), especially Goal 4 on quality education and Goal 8 on decent work and economic growth. In response, FinB Edu (Finance Banking Education), a mobile-based learning application that integrates a content curation system with mentorship features, was developed to strengthen the financial literacy of Generation Z, who have grown up alongside advances in science and technology. This study aims to analyze the acceptance of the FinB Edu application among students at SMK PGRI 3 Malang using the Technology Acceptance Model (TAM) proposed by Davis (1989), by examining the effects of Perceived Usefulness (PU) and Perceived Ease of Use (PEOU) on Behavioral Intention (BI). The novelty of this study lies in the integration of the TAM model with the digitalization of financial and banking education through curated content and a direct mentoring system, an aspect that has rarely been examined in previous TAM research on financial EdTech. The contribution of this study is to strengthen and further develop the Technology Acceptance Model (TAM) and to provide practical implications for the development of more applicable digital financial education media for secondary school students.
Keywords
Author Biographies
Fitriana Rakhma Dhanias
Universitas Brawijaya, Malang
Study Program in Finance and Banking, Vocational Faculty, Universitas Brawijaya, Indonesia.
Amelia Ika Pratiwi
Universitas Brawijaya
Study Program in Finance and Banking, Vocational Faculty, Universitas Brawijaya, Indonesia.
Hikma Anuqra
Universitas Brawijaya
Study Program in Finance and Banking, Vocational Faculty, Universitas Brawijaya, Indonesia.
Article Identifiers
- Article Title: Bridging Financial Literacy and Sustainable Development: Validating the Technology Acceptance Model in Predicting FinB Edu Adoption
- DOI: 10.59431/ijer.v6i3.1011
- Publication Date: 2026-09-28
- Journal: Indonesian Journal Economic Review (IJER)
- Volume: 6
- Issue: 3
- Pages: 1596–1604
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Issue Information
Article Details
| Volume: | 6 |
| Issue: | 3 |
| Year: | 2026 |
| Published: | 2026-09-28 |
| Pages: | 1596–1604 |
| Section: | Articles |
Additional Information
How to Cite
Dhanias, F. R., Pratiwi, A. I., & Anuqra, H. (2026). Bridging Financial Literacy and Sustainable Development: Validating the Technology Acceptance Model in Predicting FinB Edu Adoption. Indonesian Journal Economic Review (IJER), 6(3), 1596–1604. https://doi.org/10.59431/ijer.v6i3.1011
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This work is licensed under a Creative Commons License.
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