The Mediating Effects of Governance, Financial Literacy, and Technological Innovation on Digital Finance in North Sumatra’s Rural Banks

Petrus Loo · 2025 · Jurnal Ilmiah Manajemen Kesatuan

Summary. Financial inclusion and taxation policies significantly drive digital finance adoption in North Sumatra's rural banks. Corporate governance, financial literacy, and technological innovation mediate these effects, together explaining 85.4% of adoption variance. The study of 91 rural banks shows rural banks must prioritize financial literacy programs and digital tax systems to improve efficiency and promote inclusive growth, particularly in less-developed districts.

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@article{loo-2025-mediating-effects-governance-financial-literacy,
  title   = {The Mediating Effects of Governance, Financial Literacy, and Technological Innovation on Digital Finance in North Sumatra’s Rural Banks},
  author  = {Petrus Loo},
  journal = {Jurnal Ilmiah Manajemen Kesatuan},
  year    = {2025},
  doi     = {10.37641/jimkes.v13i6.4259},
  url     = {https://doi.org/10.37641/jimkes.v13i6.4259}
}

TY  - JOUR
TI  - The Mediating Effects of Governance, Financial Literacy, and Technological Innovation on Digital Finance in North Sumatra’s Rural Banks
AU  - Petrus Loo
JO  - Jurnal Ilmiah Manajemen Kesatuan
PY  - 2025
DO  - 10.37641/jimkes.v13i6.4259
UR  - https://doi.org/10.37641/jimkes.v13i6.4259
ER  - 

Details

DOI

10.37641/jimkes.v13i6.4259

Countries

Indonesia

Regions

Asia

Categories

broadband-and-digital, funding, policy

Added

2026-04-28