PENGARUH ADOPSI FINTECH DAN LITERASI KEUANGAN TERHADAP PERILAKU KEUANGAN USAHA MIKRO DAN KECIL DI KOTA PALU

This study aims to analyze the influence of fintech adoption and financial literacy on the financial behavior
of micro and small enterprises (MSEs) in Palu City. The study employed a quantitative approach using
multiple linear regression analysis on 91 MSME respondents selected using the Slovin formula. The results
indicate that fintech adoption and financial literacy each have a positive and significant effect on financial
behavior, both partially and simultaneously, with financial literacy being the most dominant variable. These
two variables account for 69.3% of the variation in financial behavior, while the remainder is influenced by
other factors outside the scope of this study.
Keywords: [fintech adoption; financial literacy; financial behavior; micro and small enterprises]