Determinants of financial literacy, digital literacy, internet penetration and consumer confidence level mediated by fintech growth on retail industry growth in indonesia

HIGHLIGHTS

• What: This study examines the impact of fintech adoption on the performance of the retail industry in Indonesia. 9110 *Corresponding Author: Anggarwati Sapta Rini Volume 07 Issue 12 December 2024 Available at: www.ijcsrr.org Page No 9109-9118 This study examines retail transactions specifically within the business-to-customer (B2C) context, where businesses sell directly to end consumers. The research focuses on transaction volume and value to determine whether fintech growth influences these metrics. The analysis reveals a significant negative effect of financial literacy on retail growth (t=-5.123, p= and amp;lt; 0.001 . . .
  

   

  

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