DINAMIKA GREEN FINTECH, DIGITAL ENVIRONMENTAL DISCLOSURE, DAN ONLINE ATTENTION TERHADAP LOYALITAS PENGGUNA E-WALLET DI INDONESIA: STUDI PANEL LONGITUDINAL 2022–2024

Anggit suryopratomo; Atat Rosilpia

DINAMIKA GREEN FINTECH, DIGITAL ENVIRONMENTAL DISCLOSURE, DAN ONLINE ATTENTION TERHADAP LOYALITAS PENGGUNA E-WALLET DI INDONESIA: STUDI PANEL LONGITUDINAL 2022–2024

Anggit suryopratomo, Atat Rosilpia

Abstract

Penelitian ini menganalisis pengaruh Green Fintech (GF) dan Digital Environmental Disclosure (DED) terhadap loyalitas pengguna e-wallet di Indonesia serta menguji peran mediasi online attention (OA). Penelitian menggunakan pendekatan kuantitatif eksplanatori dengan data sekunder panel seimbang dari lima platform yang dipilih secara purposif (GoPay, OVO, DANA, ShopeePay, dan LinkAja) selama Januari 2022–Desember 2024, sehingga diperoleh 180 observasi platform-bulan yang dikumpulkan dari sumber digital publik terarsip pada Januari–April 2026. Data dianalisis dengan regresi panel Fixed Effect dan uji mediasi bootstrapping 5.000 resampling. Hasil menunjukkan bahwa DED (β = 0,106; p = 0,002) dan GF (β = 0,101; p < 0,001) berpengaruh positif dan signifikan terhadap loyalitas pengguna, dan GF meningkatkan online attention (β = 0,151; p < 0,001). Namun, online attention tidak memediasi kedua hubungan tersebut karena interval kepercayaan bootstrap mencakup nol. Platform perlu memprioritaskan substansi inisiatif hijau dan kualitas pengungkapan lingkungan digital daripada mengandalkan perhatian publik yang bersifat umum

Keywords

Green Fintech; Digital Environmental Disclosure; Online Attention; Loyalitas Pengguna; Data Panel

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