Digital Financial Literacy, Technology Trust, and Financial Attitudes: MSME Financial Well-Being in Pangkalpinang

Purpose: This study aims to analyze the influence of digital financial literacy, trust in technology, and financial attitudes on the financial well-being of Micro, Small, and Medium Enterprises (MSME) owners in Pangkalpinang City.Methodology: This study employs a quantitative approach using multiple linear regression analysis, along with t-tests and F-tests, to examine the impact of digital financial literacy and trust in technology on the financial well-being of MSME owners in Pangkalpinang City. The sample consists of 107 respondents selected via purposive sampling. Following data transformation, data from 100 respondents were analyzed using multiple linear regression in SPSS version 32.Results: Digital financial literacy has a significant negative effect on financial well-being, whereas trust in technology and financial attitudes have significant positive effects. These three variables explain 86% of the variation in financial well-being.Conclusions: Digital financial literacy, trust in technology, and financial attitudes collectively influence the financial well-being of MSME owners in Pangkalpinang City.Limitations: The study is geographically limited and utilizes non-probability sampling, which restricts the generalizability of the findings.Contribution: This study provides empirical evidence regarding the application of Consumer Financial Well-Being Theory and the Theory of Planned Behavior within the MSME sector, and serves as a basis for training programs that incorporate practical mentoring and education on transaction security.Purpose: This study aims to analyze the influence of digital financial literacy, trust in technology, and financial attitudes on the financial well-being of Micro, Small, and Medium Enterprises (MSME) owners in Pangkalpinang City.Methodology: This study employs a quantitative approach using multiple linear regression analysis, along with t-tests and F-tests, to examine the impact of digital financial literacy and trust in technology on the financial well-being of MSME owners in Pangkalpinang City. The sample consists of 107 respondents selected via purposive sampling. Following data transformation, data from 100 respondents were analyzed using multiple linear regression in SPSS version 32.Results: Digital financial literacy has a significant negative effect on financial well-being, whereas trust in technology and financial attitudes have significant positive effects. These three variables explain 86% of the variation in financial well-being.Conclusions: Digital financial literacy, trust in technology, and financial attitudes collectively influence the financial well-being of MSME owners in Pangkalpinang City.Limitations: The study is geographically limited and utilizes non-probability sampling, which restricts the generalizability of the findings.Contribution: This study provides empirical evidence regarding the application of Consumer Financial Well-Being Theory and the Theory of Planned Behavior within the MSME sector, and serves as a basis for training programs that incorporate practical mentoring and education on transaction security.