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Industry 4.0 has greatly facilitated the adoption of Digital Finance Inclusion (DFI) in Indonesia. Consequently, DFI providers need to investigate the many variables influencing DFI users to understand their consumers better. The primary step in comprehending the initial hurdles for DFI is through DFL (Digital Financial Literacy). This study aims to identify, quantify, and authenticate the factors that influence Digital Financial Literacy (DFL) among Indonesian people who engage in fintech services. In 2023, 225 adult fintech users in Indonesia were polled via a self-administered survey. The findings demonstrate that there are 11 factors that influence DFL among adults in Indonesia. This study generated unique contributions by emphasizing critical parameters that offer solutions for assessing digital financial literacy that can serve as a foundation for constructing a digital financial literacy index. Therefore, the study shows that a deep foundational understanding of DFL is necessary to utilize DFS efficiently.
Widaningsih et al. (Sat,) studied this question.