The Role of Digital Financial Literacy in Moderating the Relationship Between Risk Perception and E-Wallet Usage among Cross-Generational MSME Actors in Morowali Regency

Abstrak

This study was conducted to determine whether digital financial literacy moderates risk perception regarding the use of E-Wallet, particularly among cross-generational MSME actors in Morowali Regency, Central Sulawesi. This research employs a quantitative method, using a survey administered to MSME actors in Morowali Regency, Central Sulawesi. The respondents in this study are MSME actors based on three generations, namely MSME actors born from 1946-1964 (Baby Boomers), MSME actors born from 1981-1996 (Millennials), and MSME actors born from 1997-2012 (Generation Z), using purposive sampling method with the sampling technique according to Roscoe, amounting to 100 samples of MSME actors in Morowali Regency. Data analysis was conducted using Structural Equation Modeling with SmartPLS. The study results indicate that risk perception negatively influences the use of e-wallets among MSME actors in Morowali Regency, Central Sulawesi. In contrast, digital financial literacy on the use of e-wallets has a positive influence. Still, digital financial literacy does not affect the risk perception of e-wallet use, so it cannot moderate the two relationships.