Improving Financial Literacy in Facing the Era of Society 5.0
DOI:
https://doi.org/10.32332/ijie.v3i2.4142Keywords:
Financial Literacy, E-wallet, Digitalization, Society 5.0Abstract
Industrial era 4.0 presents the development of digitalization that continues to grow, such as digitizing payment transactions, namely e-wallet. However, there are shortcomings that can be corrected to face society 5.0 in Indonesia and also the balance between financial literacy and e-wallet users who are growing so that there is no consumptive society and fraud. The purpose of this paper is to provide suggestions or recommendations for the government and stakeholders to carry out policies to increase the level of financial literacy in Indonesia, this research method is library research by collecting related information and data from various valid sources. The results of this paper provide suggestions for the government to actively campaign for financial literacy in various public media, provide a mandatory policy to provide education to financial service providers, and as university academics or educators provide a curriculum on financial literacy. So that when Indonesia enters the era of society 5.0, it is ready in terms of digitizing payment transactions and literacy.
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References
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Chen, H., & Volpe, R. P. “An Analysis of Financial Literacy among College Students.” Financial Services Review 7, no. 1 (1998): 107–128.
Cohen, Monic, and Candace Nelson. “Financial Literacy: A Step for Clients towards Financial Inclusion.” Global Microcredit Summit. Commissioned Workshop Paper (2011).
Damayanti, Sylviana Maya, Isrochmani Murtaqi, and Harry Anugerah Pradana. “The Importance of Financial Literacy in a Global Economic Era.” The Business & Management Review 9, no. 3 (2018): 435–441.
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Hayashi, Fumiko, and Terri Bradford. “Mobile Payments: Merchants’ Perspectives.” Economic Review 99 (2014): 5–30.
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Hendriadi, A A, and A Primajaya. “Optimization of Financial Technology (Fintech) with Lean UX Development Methods in Helping Technical Vocational Education and Training Financial Management.” In IOP Conference Series: Materials Science and Engineering, 830:22088. IOP Publishing, 2020.
Holroyd, Carin. “Technological Innovation and Building a ‘Super Smart’Society: Japan’s Vision of Society 5.0.” Journal of Asian Public Policy (2020): 1–14.
Intarakumnerd, Patarapong, and Meng-Chun Liu. “Industrial Technology Upgrading and Innovation Policies: A Comparison of Taiwan and Thailand.” In Emerging States at Crossroads, 119–143. Springer, Singapore, 2019.
Ipsos. “The Evolution of The Digital Wallet: Driving The Next Wave of Growth.” The Evolution of The Digital Wallet: Driving The Next Wave of Growth (2020): 1–8. https://www.ipsos.com/en-id/ipsos-media-conference-strategi-menang-tanpa-bakar-uang.
Johan, Suwinto. “Users’ Acceptance of Financial Technology in an Emerging Market (An Empirical Study in Indonesia).” Jurnal Ekonomi dan Bisnis 23, no. 1 (2020): 173–188.
Karakurum-Ozdemir, Kamer, Melike Kokkizil, and Gokce Uysal. “Financial Literacy in Developing Countries.” Social Indicators Research 143, no. 1 (2019): 325–353.
Karim, Md wasiul, Ahasanul Haque, M Arije Ulfy, Md Alamgir Hossain, and Md Zohurul Anis. “Factors Influencing the Use of E-Wallet as a Payment Method among Malaysian Young Adults.” Journal of International Business and Management 3, no. 2 (2020): 1–11.
Kefela, Ghirmai. “Implications of Financial Literacy in Developing Countries.” African Journal of Business Management 5, no. 9 (2011): 3699–3705.
Li, Ling. “China’s Manufacturing Locus in 2025: With a Comparison of ‘Made-in-China 2025’ and ‘Industry 4.0.’” Technological Forecasting and Social Change 135 (2018): 66–74.
Lu, Dr Lerong. “Decoding Alipay: Mobile Payments, a Cashless Society and Regulatory Challenges.” ournal of International Banking and Financial Law, 2018 33, no. 1 (2018): 40–43. https://www.researchgate.net/publication/323870898.
Lu, Lerong. “Decoding Alipay: Mobile Payments, a Cashless Society and Regulatory Challenges.” Butterworths Journal of International Banking and Financial Law (2018): 40–43.
Mahwadha, Wijayanthi Isnawatie. “Behavioral Intention of Young Consumers towards E-Wallet Adoption: An Empirical Study among Indonesian Users.” Russian Journal of Agricultural and Socio-Economic Sciences 85, no. 1 (2019).
Margaretha, Farah, and Reza Arief Pambudhi. “Tingkat Literasi Keuangan Pada Mahasiswa S-1 Fakultas Ekonomi.” Jurnal Manajemen dan Kewirausahaan (Journal of Management and Entrepreneurship) 17, no. 1 (2015): 76–85.
Nakanishi, Hiroaki, and Hiroaki Kitano. “Society 5.0 Co-Creating The Future.” Policy Proposals Industrial Technology, Keidanren (Japan Business Federation) (2018).
Nirmala, Miftah M, and Murtatik. “Analisis Gaya Hidup Dan Literasi Keuangan Terhadap Perilaku Mahasiswa Dalam Cashless Society.” Cybrarians Journal 645, no. 37 (2015): 1–31.
Nizam, Faisal, Ha Jin Hwang, and Naser Valaei. “Measuring the Effectiveness of E-Wallet in Malaysia.” Springer International Publishing 786 (2018): 492–497. http://dx.doi.org/10.1007/978-3-319-96803-2_5.
Octora, Rahel. “Regulation on Electronic System Security for E-Wallet in Order to Protect Consumers from Financial Loss Due to Cyber Fraud Based on Indonesian Law.” International Journal of Social Science And Human Research 04, no. 09 (2021): 2272–2279.
OJK. “Survei Nasional Literasi Dan Inklusi Keuangan 2019.” Survey Report (2019): 1–26. www.ojk.go.id.
Osakwe, Christian Nedu, and Titus Chukwuemezie Okeke. “Facilitating MCommerce Growth in Nigeria through MMoney Usage: A Preliminary Analysis.” Interdisciplinary Journal of Information, Knowledge, and Management 11 (2016): 115–139.
Oztemel, Ercan, and Samet Gursev. “Literature Review of Industry 4.0 and Related Technologies.” Journal of Intelligent Manufacturing 31, no. 1 (2020): 127–182.
Pardede, Aprilda Rosita. “Legalitas Pembayaran Menggunakan Uang Elektronik Asingwechat Pay Di Indonesia.” JISIP (Jurnal Ilmu Sosial dan Pendidikan) 3, no. 3 (2019).
Pereira, Andreia G, Tânia M Lima, and Fernando Charrua-Santos. “Industry 4.0 and Society 5.0: Opportunities and Threats.” International Journal of Recent Technology and Engineering 8, no. 5 (2020): 3305–3308.
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Purwidianti, Wida, and Naelati Tubastuvi. “The Effect of Financial Literacy and Financial Experience on SME Financial Behavior in Indonesia.” Jurnal Dinamika Manajemen 10, no. 1 (2019): 40–45.
Rantung, Hermi Monica, Alfa J F A Tumbuan, and Emilia M Gunawan. “The Determinants Influencing Behaviorial Intention To Use E-Wallet During Covid-19 Pandemic.” Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi 8, no. 4 (2020).
Riantama, I Gede Ega, N Suardhika, and Anik Yuesti. “Financial Technology Application Success in the 4.0 Era.” International Journal of Psychosocial Rehabilitation 24, no. 9 (2020): 2948–2962.
Salah Uddin, Mohammad, and Afroza Yesmin Akhi. “E-Wallet System for Bangladesh an Electronic Payment System.” International Journal of Modeling and Optimization 4, no. 3 (2014): 216–219.
Salgues, Bruno. Society 5.0: Industry of the Future, Technologies, Methods and Tools. USA: John Wiley & Sons, 2018.
Salim, Muhartini, Lizar Alfansi, Effed Darta, Sularsih Anggarawati, and Armelly Amin. “Indonesian Millenials Online Shopping Behavior.” International Review of Management and Marketing 9, no. 3 (2019): 41.
Santoso, Rudi. “Review of Digital Marketing & Business Sustainability of E-Commerce During Pandemic Covid19 In Indonesia.” Jurnal Ilmu Ekonomi Terapan 5, no. 2 (2020): 36–48.
Schwab, Klaus. The Fourth Industrial Revolution. Currency, 2017.
Servon, Lisa J, and Robert Kaestner. “Consumer Financial Literacy and the Impact of Online Banking on the Financial Behavior of Lower‐income Bank Customers.” Journal of consumer affairs 42, no. 2 (2008): 271–305.
Somantri, Gumilar Rusliwa. “Metode Kualitatif.” MAKARA 9, no. 5 (2004): 26.
Subaramaniam, Kasthuri, R Kolandaisamy, A Jalil, and I Kolandaisamy. “The Impact of E-Wallets for Current Generation.” J. Adv. Res. Dyn. Control Syst 12 (2020): 751–759.
Taylor, Emmeline. “Mobile Payment Technologies in Retail: A Review of Potential Benefits and Risks.” International Journal of Retail & Distribution Management 44, no. 2 (2016): 159–177.
Teoh Teng Tenk, Melissa, Hoo Chin Yew, and Lee Teck Heang. “E-Wallet Adoption: A Case in Malaysia.” International Journal of Research In Commerce and Management Studies (ISSN: 2582-2292) 2, no. 2 (2020): 216–233.
Vaz, Anthony, Reynold Tom Fernandez, Shaheen Mansori, and Dinesh Rao. “Individual Awareness of E-Wallet and Bank Staff Related Fraud in Malaysia, in the Face of Widespread Global Digitalization.” Available at SSRN 3811143 (2021).
Wahyuni, Rika, Hadi Irfani, Isna Asyri Syahrina, and Rina Mariana. “Pengaruh Gaya Hidup Dan Literasi Keuangan Terhadap Perilaku Konsumtif Berbelanja Online Pada Ibu Rumah Tangga Di Kecamatan Lubuk Begalung Kota Padang.” Jurnal Benefita 4, no. 3 (2019): 548–559.
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Zengin, Yunus, Serkan Naktiyok, Erdoğan Kaygın, Onur Kavak, and Ethem Topçuoğlu. “An Investigation upon Industry 4.0 and Society 5.0 within the Context of Sustainable Development Goals.” Sustainability 13, no. 5 (2021): 2682.
Bank Indonesia. “Jumlah Dompet Elektrik Beredar Tahun 2020.” Bi.Go.Id, no. April 2009 (2020): 2020. https://www.bi.go.id/id/statistik/ekonomi-keuangan/ssp/dompet-elektronik-jumlah.aspx.
BI. “Peraturan Bank Indonesia Nomor 22/23/PBI/2020 Tentang Sistem Pembayaran.” Accessed November 8, 2021. https://www.bi.go.id/id/publikasi/peraturan/Pages/PBI_222320.aspx.
Caldwell, Tracey. “Locking down the E-Wallet.” Computer Fraud & Security 2012, no. 4 (2012): 5–8.
Chandra, Yakob Utama. “Bank vs Telecommunication E-Wallet: System Analysis, Purchase, and Payment Method of GO-Mobile CIMB Niaga and T-Cash Telkomsel.” In 2017 International Conference on Information Management and Technology (ICIMTech), 165–170. IEEE, 2017.
Chen, H., & Volpe, R. P. “An Analysis of Financial Literacy among College Students.” Financial Services Review 7, no. 1 (1998): 107–128.
Cohen, Monic, and Candace Nelson. “Financial Literacy: A Step for Clients towards Financial Inclusion.” Global Microcredit Summit. Commissioned Workshop Paper (2011).
Damayanti, Sylviana Maya, Isrochmani Murtaqi, and Harry Anugerah Pradana. “The Importance of Financial Literacy in a Global Economic Era.” The Business & Management Review 9, no. 3 (2018): 435–441.
Deguchi, Atsushi, Chiaki Hirai, Hideyuki Matsuoka, Taku Nakano, Kohei Oshima, Mitsuharu Tai, and Shigeyuki Tani. “What Is Society 5.0.” Society 5 (2020): 1–23.
Drew, Jacqueline M, and Cassandra Cross. “Fraud and Its PREY: Conceptualising Social Engineering Tactics and Its Impact on Financial Literacy Outcomes.” In Financial Literacy and the Limits of Financial Decision-Making, 325–340. Springer, 2016.
Dwiastanti, Anis. “Financial Literacy as the Foundation for Individual Financial Behavior.” Journal of Education and Practice 6, no. 33 (2015): 99–105.
Ellitan, Lena. “Competing in the Era of Industrial Revolution 4.0 and Society 5.0.” Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship 10, no. 1 (2020): 1. https://ejournal.up45.ac.id/index.php/maksipreneur/article/view/657/543.
Endarwati, Oktiani. “OCBC NISP: Literasi Keuangan Generasi Muda RI Rendah.” IDX Channel. Last modified 2021. https://www.idxchannel.com/banking/ocbc-nisp-literasi-keuangan-generasi-muda-ri-rendah.
Firdaus. “Mengenal Society 5.0 ‘Sebuah Upaya Jepang Untuk Keamanan Dan Kesejahteraan Manusia’ - Teknik Elektro FTI UII.” Departemen of Electrical Engineering. Last modified 2020. Accessed November 4, 2021. https://ee.uii.ac.id/2020/07/06/mengenal-society-5-0-sebuah-upaya-jepang-untuk-keamanan-dan-kesejahteraan-manusia/.
Fukuda, Kayano. “Science, Technology and Innovation Ecosystem Transformation toward Society 5.0.” International journal of production economics 220 (2020): 107460.
Fukuyama. Mayumi. “Society 5.0: Aiming for a New Human-Centered Society.” Japan SPOTLIGHT, no. August (2018): 8–13.
Giriani, Aulia Puspa, and Susanti. “Pengaruh Literasi Keuangan, Fitur Layanan, Dan Kemudahan Penggunaan Terhadap Penggunaan e-Money.” JAE: Jurnal Akuntansi dan Ekonomi 6, no. 2 (2021): 27–37.
Halim, Erwin, Adhi Nugroho Chandra, Jennifer Salim, Vania Margarita, Ravel Destiano, and Marylise Hebrard. “Predicting the Determinants of Continuance Intention to Use E-Wallet in Indonesia Post-COVID-19 Pandemic.” In 2021 International Conference on Information Management and Technology (ICIMTech), 1:545–550. IEEE, 2021.
Hayashi, Fumiko, and Terri Bradford. “Mobile Payments: Merchants’ Perspectives.” Economic Review 99 (2014): 5–30.
Hendarsyah, Decky. “E-Commerce Di Era Industri 4.0 Dan Society 5.0.” IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita 8, no. 2 (2019): 171–184.
Hendriadi, A A, and A Primajaya. “Optimization of Financial Technology (Fintech) with Lean UX Development Methods in Helping Technical Vocational Education and Training Financial Management.” In IOP Conference Series: Materials Science and Engineering, 830:22088. IOP Publishing, 2020.
Holroyd, Carin. “Technological Innovation and Building a ‘Super Smart’Society: Japan’s Vision of Society 5.0.” Journal of Asian Public Policy (2020): 1–14.
Intarakumnerd, Patarapong, and Meng-Chun Liu. “Industrial Technology Upgrading and Innovation Policies: A Comparison of Taiwan and Thailand.” In Emerging States at Crossroads, 119–143. Springer, Singapore, 2019.
Ipsos. “The Evolution of The Digital Wallet: Driving The Next Wave of Growth.” The Evolution of The Digital Wallet: Driving The Next Wave of Growth (2020): 1–8. https://www.ipsos.com/en-id/ipsos-media-conference-strategi-menang-tanpa-bakar-uang.
Johan, Suwinto. “Users’ Acceptance of Financial Technology in an Emerging Market (An Empirical Study in Indonesia).” Jurnal Ekonomi dan Bisnis 23, no. 1 (2020): 173–188.
Karakurum-Ozdemir, Kamer, Melike Kokkizil, and Gokce Uysal. “Financial Literacy in Developing Countries.” Social Indicators Research 143, no. 1 (2019): 325–353.
Karim, Md wasiul, Ahasanul Haque, M Arije Ulfy, Md Alamgir Hossain, and Md Zohurul Anis. “Factors Influencing the Use of E-Wallet as a Payment Method among Malaysian Young Adults.” Journal of International Business and Management 3, no. 2 (2020): 1–11.
Kefela, Ghirmai. “Implications of Financial Literacy in Developing Countries.” African Journal of Business Management 5, no. 9 (2011): 3699–3705.
Li, Ling. “China’s Manufacturing Locus in 2025: With a Comparison of ‘Made-in-China 2025’ and ‘Industry 4.0.’” Technological Forecasting and Social Change 135 (2018): 66–74.
Lu, Dr Lerong. “Decoding Alipay: Mobile Payments, a Cashless Society and Regulatory Challenges.” ournal of International Banking and Financial Law, 2018 33, no. 1 (2018): 40–43. https://www.researchgate.net/publication/323870898.
Lu, Lerong. “Decoding Alipay: Mobile Payments, a Cashless Society and Regulatory Challenges.” Butterworths Journal of International Banking and Financial Law (2018): 40–43.
Mahwadha, Wijayanthi Isnawatie. “Behavioral Intention of Young Consumers towards E-Wallet Adoption: An Empirical Study among Indonesian Users.” Russian Journal of Agricultural and Socio-Economic Sciences 85, no. 1 (2019).
Margaretha, Farah, and Reza Arief Pambudhi. “Tingkat Literasi Keuangan Pada Mahasiswa S-1 Fakultas Ekonomi.” Jurnal Manajemen dan Kewirausahaan (Journal of Management and Entrepreneurship) 17, no. 1 (2015): 76–85.
Nakanishi, Hiroaki, and Hiroaki Kitano. “Society 5.0 Co-Creating The Future.” Policy Proposals Industrial Technology, Keidanren (Japan Business Federation) (2018).
Nirmala, Miftah M, and Murtatik. “Analisis Gaya Hidup Dan Literasi Keuangan Terhadap Perilaku Mahasiswa Dalam Cashless Society.” Cybrarians Journal 645, no. 37 (2015): 1–31.
Nizam, Faisal, Ha Jin Hwang, and Naser Valaei. “Measuring the Effectiveness of E-Wallet in Malaysia.” Springer International Publishing 786 (2018): 492–497. http://dx.doi.org/10.1007/978-3-319-96803-2_5.
Octora, Rahel. “Regulation on Electronic System Security for E-Wallet in Order to Protect Consumers from Financial Loss Due to Cyber Fraud Based on Indonesian Law.” International Journal of Social Science And Human Research 04, no. 09 (2021): 2272–2279.
OJK. “Survei Nasional Literasi Dan Inklusi Keuangan 2019.” Survey Report (2019): 1–26. www.ojk.go.id.
Osakwe, Christian Nedu, and Titus Chukwuemezie Okeke. “Facilitating MCommerce Growth in Nigeria through MMoney Usage: A Preliminary Analysis.” Interdisciplinary Journal of Information, Knowledge, and Management 11 (2016): 115–139.
Oztemel, Ercan, and Samet Gursev. “Literature Review of Industry 4.0 and Related Technologies.” Journal of Intelligent Manufacturing 31, no. 1 (2020): 127–182.
Pardede, Aprilda Rosita. “Legalitas Pembayaran Menggunakan Uang Elektronik Asingwechat Pay Di Indonesia.” JISIP (Jurnal Ilmu Sosial dan Pendidikan) 3, no. 3 (2019).
Pereira, Andreia G, Tânia M Lima, and Fernando Charrua-Santos. “Industry 4.0 and Society 5.0: Opportunities and Threats.” International Journal of Recent Technology and Engineering 8, no. 5 (2020): 3305–3308.
Prasetyo, Yuli Adam, and Arry Akhmad Arman. “Group Management System Design for Supporting Society 5.0 in Smart Society Platform.” In 2017 International Conference on Information Technology Systems and Innovation (ICITSI), 398–404. IEEE, 2017.
Purwidianti, Wida, and Naelati Tubastuvi. “The Effect of Financial Literacy and Financial Experience on SME Financial Behavior in Indonesia.” Jurnal Dinamika Manajemen 10, no. 1 (2019): 40–45.
Rantung, Hermi Monica, Alfa J F A Tumbuan, and Emilia M Gunawan. “The Determinants Influencing Behaviorial Intention To Use E-Wallet During Covid-19 Pandemic.” Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi 8, no. 4 (2020).
Riantama, I Gede Ega, N Suardhika, and Anik Yuesti. “Financial Technology Application Success in the 4.0 Era.” International Journal of Psychosocial Rehabilitation 24, no. 9 (2020): 2948–2962.
Salah Uddin, Mohammad, and Afroza Yesmin Akhi. “E-Wallet System for Bangladesh an Electronic Payment System.” International Journal of Modeling and Optimization 4, no. 3 (2014): 216–219.
Salgues, Bruno. Society 5.0: Industry of the Future, Technologies, Methods and Tools. USA: John Wiley & Sons, 2018.
Salim, Muhartini, Lizar Alfansi, Effed Darta, Sularsih Anggarawati, and Armelly Amin. “Indonesian Millenials Online Shopping Behavior.” International Review of Management and Marketing 9, no. 3 (2019): 41.
Santoso, Rudi. “Review of Digital Marketing & Business Sustainability of E-Commerce During Pandemic Covid19 In Indonesia.” Jurnal Ilmu Ekonomi Terapan 5, no. 2 (2020): 36–48.
Schwab, Klaus. The Fourth Industrial Revolution. Currency, 2017.
Servon, Lisa J, and Robert Kaestner. “Consumer Financial Literacy and the Impact of Online Banking on the Financial Behavior of Lower‐income Bank Customers.” Journal of consumer affairs 42, no. 2 (2008): 271–305.
Somantri, Gumilar Rusliwa. “Metode Kualitatif.” MAKARA 9, no. 5 (2004): 26.
Subaramaniam, Kasthuri, R Kolandaisamy, A Jalil, and I Kolandaisamy. “The Impact of E-Wallets for Current Generation.” J. Adv. Res. Dyn. Control Syst 12 (2020): 751–759.
Taylor, Emmeline. “Mobile Payment Technologies in Retail: A Review of Potential Benefits and Risks.” International Journal of Retail & Distribution Management 44, no. 2 (2016): 159–177.
Teoh Teng Tenk, Melissa, Hoo Chin Yew, and Lee Teck Heang. “E-Wallet Adoption: A Case in Malaysia.” International Journal of Research In Commerce and Management Studies (ISSN: 2582-2292) 2, no. 2 (2020): 216–233.
Vaz, Anthony, Reynold Tom Fernandez, Shaheen Mansori, and Dinesh Rao. “Individual Awareness of E-Wallet and Bank Staff Related Fraud in Malaysia, in the Face of Widespread Global Digitalization.” Available at SSRN 3811143 (2021).
Wahyuni, Rika, Hadi Irfani, Isna Asyri Syahrina, and Rina Mariana. “Pengaruh Gaya Hidup Dan Literasi Keuangan Terhadap Perilaku Konsumtif Berbelanja Online Pada Ibu Rumah Tangga Di Kecamatan Lubuk Begalung Kota Padang.” Jurnal Benefita 4, no. 3 (2019): 548–559.
Wildemuth, Barbara M. Applications of Social Research Methods to Questions in Information and Library Science. ABC-CLIO, 2016.
Zengin, Yunus, Serkan Naktiyok, Erdoğan Kaygın, Onur Kavak, and Ethem Topçuoğlu. “An Investigation upon Industry 4.0 and Society 5.0 within the Context of Sustainable Development Goals.” Sustainability 13, no. 5 (2021): 2682.
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2021-12-31
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Improving Financial Literacy in Facing the Era of Society 5.0 (N. Nurlaili, M. Faqih, M. Faqih, M. H. Basri, & K. D. Larasati , Trans.). (2021). International Journal of Islamic Economics, 3(02), 150-163. https://doi.org/10.32332/ijie.v3i2.4142
