{"id":"https://openalex.org/W7225814596","doi":"https://doi.org/10.61401/rabi.v2i4.728","title":"Digital Financial Literacy, Technology Trust, and Financial Attitudes: MSME Financial Well-Being in Pangkalpinang","display_name":"Digital Financial Literacy, Technology Trust, and Financial Attitudes: MSME Financial Well-Being in Pangkalpinang","publication_year":2026,"publication_date":"2026-11-11","ids":{"openalex":"https://openalex.org/W7225814596","doi":"https://doi.org/10.61401/rabi.v2i4.728"},"language":"en","primary_location":{"id":"doi:10.61401/rabi.v2i4.728","doi":"https://doi.org/10.61401/rabi.v2i4.728","is_oa":true,"landing_page_url":"https://doi.org/10.61401/rabi.v2i4.728","pdf_url":"https://jurnal.stiekrakatau.ac.id/index.php/rabi/article/download/728/513","source":{"id":"https://openalex.org/S7407053813","display_name":"Riset Akuntansi dan Bisnis Indonesia","issn_l":"3110-7257","issn":["3110-7257"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I4405273949","host_organization_name":"Sekolah Tinggi Ilmu Ekonomi Krakatau","host_organization_lineage":["https://openalex.org/I4405273949"],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Riset Akuntansi dan Bisnis Indonesia","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"bronze","oa_url":"https://jurnal.stiekrakatau.ac.id/index.php/rabi/article/download/728/513","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5161474061","display_name":"Dwi Octavia Br Simanjuntak","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I2785107011","display_name":"University of Bangka Belitung","ror":"https://ror.org/05gtb4824","country_code":"ID","type":"education","lineage":["https://openalex.org/I2785107011"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Dwi Octavia Br Simanjuntak","raw_affiliation_strings":["Universitas Bangka Belitung"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universitas Bangka Belitung","institution_ids":["https://openalex.org/I2785107011"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5102864211","display_name":"Erita Rosalina","orcid":"https://orcid.org/0000-0003-4080-9763","observed_orcids":["https://orcid.org/0000-0003-4080-9763"]},"institutions":[{"id":"https://openalex.org/I2785107011","display_name":"University of Bangka Belitung","ror":"https://ror.org/05gtb4824","country_code":"ID","type":"education","lineage":["https://openalex.org/I2785107011"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Erita Rosalina","raw_affiliation_strings":["Universitas Bangka Belitung"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universitas Bangka Belitung","institution_ids":["https://openalex.org/I2785107011"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5052794684","display_name":"Nur Ahmad Ricky Rudianto","orcid":"https://orcid.org/0000-0003-4579-7597","observed_orcids":["https://orcid.org/0000-0003-4579-7597"]},"institutions":[{"id":"https://openalex.org/I2785107011","display_name":"University of Bangka Belitung","ror":"https://ror.org/05gtb4824","country_code":"ID","type":"education","lineage":["https://openalex.org/I2785107011"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Nur Ahmad Ricky Rudianto","raw_affiliation_strings":["Universitas Bangka Belitung"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universitas Bangka Belitung","institution_ids":["https://openalex.org/I2785107011"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I2785107011"],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"2","issue":"4","first_page":"197","last_page":"212"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":1.0,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":1.0,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":9.999999747378752e-05,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.0,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[],"concepts":[{"id":"https://openalex.org/C2777941463","wikidata":"https://www.wikidata.org/wiki/Q1416374","display_name":"Financial literacy","level":2,"score":0.7811999917030334},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.6330999732017517},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6092000007629395},{"id":"https://openalex.org/C198531522","wikidata":"https://www.wikidata.org/wiki/Q485146","display_name":"Sample (material)","level":2,"score":0.5569000244140625},{"id":"https://openalex.org/C130731218","wikidata":"https://www.wikidata.org/wiki/Q1363554","display_name":"Financial analysis","level":2,"score":0.41600000858306885},{"id":"https://openalex.org/C27158222","wikidata":"https://www.wikidata.org/wiki/Q5532422","display_name":"Generalizability theory","level":2,"score":0.4133000075817108},{"id":"https://openalex.org/C98014903","wikidata":"https://www.wikidata.org/wiki/Q832161","display_name":"Financial ratio","level":2,"score":0.40610000491142273},{"id":"https://openalex.org/C164516710","wikidata":"https://www.wikidata.org/wiki/Q1166072","display_name":"Financial transaction","level":3,"score":0.3864000141620636},{"id":"https://openalex.org/C71199308","wikidata":"https://www.wikidata.org/wiki/Q2990807","display_name":"Accounting management","level":3,"score":0.36239999532699585},{"id":"https://openalex.org/C152877465","wikidata":"https://www.wikidata.org/wiki/Q208042","display_name":"Regression analysis","level":2,"score":0.3580000102519989},{"id":"https://openalex.org/C120936955","wikidata":"https://www.wikidata.org/wiki/Q2155640","display_name":"Empirical research","level":2,"score":0.3440000116825104},{"id":"https://openalex.org/C540431452","wikidata":"https://www.wikidata.org/wiki/Q16319025","display_name":"FinTech","level":3,"score":0.3431999981403351},{"id":"https://openalex.org/C75949130","wikidata":"https://www.wikidata.org/wiki/Q848010","display_name":"Database transaction","level":2,"score":0.33090001344680786},{"id":"https://openalex.org/C506796395","wikidata":"https://www.wikidata.org/wiki/Q4738155","display_name":"Financial management","level":2,"score":0.32019999623298645},{"id":"https://openalex.org/C196390999","wikidata":"https://www.wikidata.org/wiki/Q11655436","display_name":"Indirect finance","level":3,"score":0.3181999921798706},{"id":"https://openalex.org/C2779601481","wikidata":"https://www.wikidata.org/wiki/Q650241","display_name":"Financial institution","level":2,"score":0.31310001015663147},{"id":"https://openalex.org/C23925645","wikidata":"https://www.wikidata.org/wiki/Q5449731","display_name":"Financial modeling","level":2,"score":0.31029999256134033},{"id":"https://openalex.org/C2776185967","wikidata":"https://www.wikidata.org/wiki/Q112945","display_name":"Technology acceptance model","level":3,"score":0.3052000105381012},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.3034999966621399},{"id":"https://openalex.org/C191654821","wikidata":"https://www.wikidata.org/wiki/Q247506","display_name":"Financial instrument","level":2,"score":0.29989999532699585},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.2879999876022339},{"id":"https://openalex.org/C65146658","wikidata":"https://www.wikidata.org/wiki/Q1416431","display_name":"Financial intermediary","level":2,"score":0.27630001306533813},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.2750000059604645},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.2687000036239624}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.61401/rabi.v2i4.728","doi":"https://doi.org/10.61401/rabi.v2i4.728","is_oa":true,"landing_page_url":"https://doi.org/10.61401/rabi.v2i4.728","pdf_url":"https://jurnal.stiekrakatau.ac.id/index.php/rabi/article/download/728/513","source":{"id":"https://openalex.org/S7407053813","display_name":"Riset Akuntansi dan Bisnis Indonesia","issn_l":"3110-7257","issn":["3110-7257"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I4405273949","host_organization_name":"Sekolah Tinggi Ilmu Ekonomi Krakatau","host_organization_lineage":["https://openalex.org/I4405273949"],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Riset Akuntansi dan Bisnis Indonesia","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.61401/rabi.v2i4.728","doi":"https://doi.org/10.61401/rabi.v2i4.728","is_oa":true,"landing_page_url":"https://doi.org/10.61401/rabi.v2i4.728","pdf_url":"https://jurnal.stiekrakatau.ac.id/index.php/rabi/article/download/728/513","source":{"id":"https://openalex.org/S7407053813","display_name":"Riset Akuntansi dan Bisnis Indonesia","issn_l":"3110-7257","issn":["3110-7257"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I4405273949","host_organization_name":"Sekolah Tinggi Ilmu Ekonomi Krakatau","host_organization_lineage":["https://openalex.org/I4405273949"],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Riset Akuntansi dan Bisnis Indonesia","raw_type":"journal-article"},"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W7225814596.pdf","grobid_xml":"https://content.openalex.org/works/W7225814596.grobid-xml"},"referenced_works_count":20,"referenced_works":["https://openalex.org/W2037881738","https://openalex.org/W4288078252","https://openalex.org/W4294959547","https://openalex.org/W4312189679","https://openalex.org/W4362671307","https://openalex.org/W4377008613","https://openalex.org/W4386483653","https://openalex.org/W4389343662","https://openalex.org/W4389952261","https://openalex.org/W4406712984","https://openalex.org/W4409321242","https://openalex.org/W7116688684","https://openalex.org/W7117551916","https://openalex.org/W7118976049","https://openalex.org/W7127581378","https://openalex.org/W7160151710","https://openalex.org/W7160318209","https://openalex.org/W7167757384","https://openalex.org/W7168418084","https://openalex.org/W7204133991"],"related_works":[],"abstract_inverted_index":{"Purpose:":[0],"This":[1,33,167,207,239,373],"study":[2,34,152,168,208,240,358,374],"aims":[3,209],"to":[4,49,210,255],"analyze":[5,211],"the":[6,19,51,62,126,142,162,165,173,181,187,212,225,257,268,332,348,368,371,379,387,393],"influence":[7,141,213,347],"of":[8,22,53,65,74,125,145,164,175,183,214,228,259,271,280,331,351,370,381,389],"digital":[9,54,215,260],"financial":[10,16,20,55,63,99,107,114,129,132,138,143,216,222,226,261,269,305,313,320,335,338,344,349],"literacy,":[11,133,217,339],"trust":[12,58,110,134,218,264,316,340],"in":[13,30,59,68,94,111,128,135,148,219,236,265,274,300,317,334,341,354],"technology,":[14,136,220,342],"and":[15,25,47,57,113,137,156,180,190,202,221,231,253,263,319,343,362,386,396,408],"attitudes":[17,115,139,223,321,345],"on":[18,61,106,204,224,267,312,410],"well-being":[21,64,144,227,270,350],"Micro,":[23,229],"Small,":[24,230],"Medium":[26,232],"Enterprises":[27,233],"(MSME)":[28,234],"owners":[29,67,147,235,273,353],"Pangkalpinang":[31,69,149,237,275,355],"City.Methodology:":[32,238],"employs":[35,241],"a":[36,102,193,242,308,399],"quantitative":[37,243],"approach":[38,244],"using":[39,90,245,296],"multiple":[40,91,246,297],"linear":[41,92,247,298],"regression":[42,93,248,299],"analysis,":[43,249],"along":[44,250],"with":[45,251],"t-tests":[46,252],"F-tests,":[48,254],"examine":[50,256],"impact":[52,258],"literacy":[56,100,262,306],"technology":[60,112,266,318],"MSME":[66,146,188,272,352,394],"City.":[70,276],"The":[71,151,277,357],"sample":[72,278],"consists":[73,279],"107":[75,281],"respondents":[76,87,282,293],"selected":[77,283],"via":[78,284],"purposive":[79,285],"sampling.":[80,286],"Following":[81,287],"data":[82,84,288,290],"transformation,":[83,289],"from":[85,291],"100":[86,292],"were":[88,294],"analyzed":[89,295],"SPSS":[95,301],"version":[96,302],"32.Results:":[97,303],"Digital":[98,131,304,337],"has":[101,307],"significant":[103,117,309,323],"negative":[104,310],"effect":[105,311],"well-being,":[108,314],"whereas":[109,315],"have":[116,322],"positive":[118,324],"effects.":[119,325],"These":[120,326],"three":[121,327],"variables":[122,328],"explain":[123,329],"86%":[124,330],"variation":[127,333],"well-being.Conclusions:":[130,336],"collectively":[140,346],"City.Limitations:":[150,356],"is":[153,359],"geographically":[154,360],"limited":[155,361],"utilizes":[157,363],"non-probability":[158,364],"sampling,":[159,365],"which":[160,366],"restricts":[161,367],"generalizability":[163,369],"findings.Contribution:":[166,372],"provides":[169,375],"empirical":[170,376],"evidence":[171,377],"regarding":[172,378],"application":[174,380],"Consumer":[176,382],"Financial":[177,383],"Well-Being":[178,384],"Theory":[179,182,385,388],"Planned":[184,390],"Behavior":[185,391],"within":[186,392],"sector,":[189,395],"serves":[191,397],"as":[192,398],"basis":[194,400],"for":[195,401],"training":[196,402],"programs":[197,403],"that":[198,404],"incorporate":[199,405],"practical":[200,406],"mentoring":[201,407],"education":[203,409],"transaction":[205,411],"security.Purpose:":[206],"security.":[412]},"counts_by_year":[],"updated_date":"2026-11-12T12:28:57.059296","created_date":"2026-11-12T00:00:00"}
