Dari Dompet ke Aplikasi: Rahasia Melek Finansial Digital Pengusaha Milenial

Abstract

This study aims to examine the level of digital financial literacy among millennial entrepreneurs and the factors influencing their adaptation to digital financial technology. The research method used was quantitative, with questionnaires distributed to five millennial entrepreneur respondents. The study findings indicate that mastery of digital financial literacy is the main key to successful business financial management in the digital era. Digital financial literacy enables millennial entrepreneurs to be more careful in managing cash flow, optimize the use of financial applications, and make appropriate and strategic investment decisions. Factors such as ease of technology access, level of digital knowledge, and trust in digital applications contribute significantly to this level of literacy. This study also found that entrepreneurs who actively use financial technology platforms tend to have more stable business performance. These results have important implications for the development of financial literacy education and training programs, especially among millennial entrepreneurs, to support the development of sustainable digital-based businesses. This study contributes to the understanding of the importance of digital literacy in advancing millennial businesses in the era of increasingly advanced financial technology.