Reflection: Education and Pedagogical Insights

The Implementation of Financial Technology in Improving Digital Financial Understanding Among Accounting Students in South-East Asia with Technology Acceptance Model Approach

2025-03-02T08:08:30+00:00

This research analyzes the impact of FinTech Implementation on the digital financial understanding of accounting students in Southeast Asia. Novelty of this research is to develop a new measurement by adding 3 new dimensions to the Financial Technology Implementation variable and 2 new dimensions to Digital Finance Understanding variable. This research used Technology Acceptance Model (TAM) approach. This study employs a quantitative approach with qualitative support, using PLS-SEM as the primary analytical method. The quantitative approach is used to analyze relationships between variables, while the qualitative method provides deeper insights into students' experiences with FinTech adoption. Population in this study are accounting students in Southeast Asia, particularly in Indonesia, Malaysia, Singapore, Thailand, Brunei Darussalam, and Philippines. Purposive sampling is used to select students from universities with accounting programs and targets 320 respondents. The implementation of Financial Technology (FinTech) significantly enhances Digital Financial Understanding (DFU) by improving financial literacy, accessibility, and user engagement with digital financial services. FinTech platforms, such as digital banking apps, investment platforms, and robo-advisors, provide real-time financial insights, interactive financial tools, and educational resources. The dimensions that are novelty in this study, namely Adoption Intention (X5), Actual Usage (X6), Regulatory Awareness (X7), Digital Financial Behavior (Y4), Regulatory and Consumer Protection Awareness (Y5) have been successfully measured well and become variables that support expansion tests. Future research should examine how FinTech engagement influences financial understanding over an extended period.

The Influence of Learning Environment on Students' Social Behavior

2025-04-04T08:55:53+00:00

This research is aim to analyze the influence of various learning environments (physical, digital, and hybrid) on students' social behavior. This research aims to contribute valuable insights into the evolving educational landscape, offering practical implications for educators, school administrators, and policymakers in fostering holistic student development. This study is grounded in Vygotsky's Sociocultural Theory, which emphasizes the fundamental role of social interaction in cognitive and behavioral development. This study employs a qualitative research design, using a phenomenological approach to explore students' lived experiences regarding the influence of the learning environment on their social behavior. This study demonstrates that students' social behavior is deeply influenced by the learning environment, whether traditional, digital, or hybrid. Well-structured and supportive learning environments, both physical and digital, promote positive social interactions, empathy, and teamwork among students. Future research should explore the long-term impact of different learning environments on students' social behavior, particularly in the context of evolving educational technologies.

Location-Based Analysis of Household Internet Access Trends in Indonesia Using Chi-Square Analysis

2025-08-26T11:19:27+00:00

This study examines the percentage of Indonesian households accessing the internet in the past three months, disaggregated by location, during the period 2015–2017. Using secondary data from the National Socio-Economic Survey (SUSENAS) conducted by the Central Statistics Agency (BPS), the study applies descriptive statistics to identify access patterns and chi-square tests to evaluate potential relationships between household conditions and internet access location. The findings show a steady increase in household internet access over the three-year period, with home-based access emerging as the most dominant and growing mode of connectivity. Conversely, access via mobile vehicles declined, while internet use at workplaces and public facilities remained low. Chi-square analysis indicates no significant relationship between household conditions and access location. These results highlight the increasing reliance on household internet access and its potential role in supporting learning and digital literacy in Indonesia. However, persistent disparities across regions and socio-economic groups suggest that policies must go beyond infrastructure expansion to address issues of affordability, inclusiveness, and digital literacy. This study contributes to the literature on digital inclusion and provides implications for policymakers, educators, and stakeholders in advancing equitable access to education in the digital age.

Chi-Square Analysis of the Percentage of the Bottom 40% Expenditure Group Aged 0–17 Years with Birth Certificate Ownership in Indonesia

2025-08-29T04:13:55+00:00

This study investigates the relationship between household expenditure levels and birth certificate ownership among children aged 0–17 years in Indonesia. Using secondary data from Badan Pusat Statistik (BPS) for the period 2015–2017, the research applies the Chi-Square test of independence (contingency table analysis) to determine whether children from the bottom 40% expenditure group are less likely to possess birth certificates compared to other groups. The results show that the Chi-Square value (χ² = 0.019174) at a 5% significance level indicates no statistically significant association between household expenditure group and birth certificate ownership. This finding suggests that efforts by the Indonesian government to improve civil registration may have contributed to reducing inequality across income groups. Despite this, regional and micro-level disparities may still persist. The study highlights the importance of continuous policy interventions, awareness programs, and integrated registration services to ensure universal birth certificate coverage for all children in Indonesia.