Pengaruh Literasi Digital, Kepercayaan, dan Rasa Aman terhadap Minat Penggunaan Central Bank Digital Currency (CDBC) di Indonesia
DOI:
https://doi.org/10.37385/msej.v7i1.9908Keywords:
Literasi Digital, Kepercayaan, Rasa Aman, Minat Penggunaan, Central Bank Digital Currency (CBDC), Teknologi KeuanganAbstract
Penelitian ini bertujuan untuk menganalisis pengaruh literasi digital, kepercayaan, dan rasa aman terhadap minat penggunaan Central Bank Digital Currency (CBDC) di Indonesia. Menggunakan pendekatan kuantitatif dengan desain survei, data dikumpulkan melalui kuesioner online yang disebarkan kepada responden yang memenuhi kriteria purposive sampling, yaitu WNI berusia minimal 17 tahun, pengguna aktif layanan keuangan digital, serta memiliki perangkat digital. Data penelitian diperoleh dari 221 responden valid yang memenuhi seluruh kriteria penelitian dan diolah melalui analisis regresi linier berganda menggunakan SPSS. Hasil penelitian menunjukkan bahwa ketiga variabel independen literasi digital, kepercayaan, dan rasa aman berpengaruh positif signifikan terhadap minat penggunaan CBDC. Literasi digital terbukti meningkatkan kesiapan individu dalam menerima inovasi finansial berbasis teknologi. Kepercayaan terhadap kredibilitas dan regulasi Bank Indonesia memperkuat kesediaan masyarakat untuk mengadopsi CBDC. Sementara itu, persepsi terhadap keamanan sistem dan perlindungan data pribadi turut mendorong minat penggunaan. Temuan ini menegaskan bahwa keberhasilan implementasi CBDC memerlukan strategi terintegrasi yang mencakup peningkatan literasi digital, penguatan kepercayaan publik, serta penyediaan jaminan keamanan yang memadai bagi pengguna.
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