THE EFFECT OF FINANCIAL LITERACY AND INCOME ON INVESTMENT INTEREST WITH MOBILE BANKING AS A MODERATOR VARIABLE
Keywords:
Mobile Banking, Financial Literacy, InvestmentAbstract
The development of mobile banking technology has changed the way people access and manage their finances. The use of mobile banking can improve financial literacy by increasing financial understanding and knowledge. Income shows how well a person can meet their needs and wants financially. And investment interest is a person's desire to invest. Investment interests include an understanding of the various investment options, the level of risk associated, and the financial goals to be achieved. This study aims to analyze the effect of financial literacy and income on gold investment interest with mobile banking as a moderation variable for BSI customers in 2021-2022. Data collection was carried out by questionnaire and t sampling using purposive sampling approach obtained a sample of 95 respondents who acted as BSI customers who had mobile banking. PLS-SEM is a method used to perform data analysis using SmartPLS software to measure the level of significance. This research resulted in (1) Financial literacy has a positive and significant effect on investment interest, (2) Income has a positive and significant influence on investment interest. (3) Mobile banking has a significant positive effect on investment interest. (4) Mobile banking mediates positively and significantly the effect of financial literacy on investment interest. (5) Mobile banking mediates positively and significantly the effect of income on investment interest.
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