Jurnal Keuangan dan Perbankan Universitas Merdeka Malang
Can Risk Tolerance Moderate Financial Literacy and Internet Banking Behavior During Covid-19

Jurnal Keuangan dan Perbankan Universitas Merdeka Malang
Can Risk Tolerance Moderate Financial Literacy and Internet Banking Behavior During Covid-19

Covid-19; Financial literacy; Internet banking behavior; Risk tolerance; Moderating

This study aims to examine whether risk tolerance can moderate the relationship between financial literacy on Internet banking behavior during Covid-19. 133 respondents are chosen as the sample of this study through purposive sampling with criteria. The hypothesis testing of this research was carried out using two models, namely, the direct relationship model and the moderation model. The results show that financial literacy has a positive effect on Internet banking. However, risk tolerance is unable to be a moderating variable. The results give the implication that Internet banking users can be increased by improving financial literacy, and financial risk may not be a significant driver in the use of internet banking during Covid-19.

Fida Muthia, Nyimas Dewi Murnila Saputri, Sri Andaiyani, Agil Novriansa

DOI: 10.26905/jkdp.v2i2.6814

Universitas Merdeka Malang

April 2022

Sri Wahyuni

ISSN: 2443-2687 (Online) ISSN: 1410-8089 (Print)

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Jurnal Keuangan dan Perbankan Universitas Merdeka Malang