Pengaruh Overconfidence, Financial Literacy, Risk Tolerance, Perceived Green Finance Terhadap Behavioral Intention

Abstrak

Technological developments have encouraged the adoption of digital payment services in Indonesia, especially among women. This research aims to determine the influence of Overconfidence, Financial Literacy, Risk Tolerance, and Perceived Green Finance on Behavioral Intention in using digital payments. This research uses a quantitative approach with non-probability sampling and purposive sampling techniques. The total respondents were 384. Data were analyzed using the Partial Least Square - Structural Equation Modeling (PLS-SEM) method. The results show that Overconfidence and Financial Literacy have a positive and significant effect on Behavioral Intention, while Risk Tolerance and Perceived Green Finance have a positive but not significant effect. This finding indicates that women are more influenced by psychological factors and financial understanding when using digital payments than external factors such as risk or sustainability issues.