Abstract
The purpose of this research will be devoted to measuring the extent of public awareness in using financial technology in the face of globalization through the level of knowledge and digital financial literacy while building consumer loyalty to the use of financial technology. The research location is carried out in the community of North Labuhanbatu Regency, which is one of the expansion of Labuhanbatu Regency in 2008. The population and sample refer to the provisions of Maximum Likehood Estimation (MLE) the number of samples in the survey ranged from 100-200 samples, so the sample set was 100 samples. This study uses nonprobability sampling techniques with convenience sampling. The type of data selected is primary data sourced from data sources that directly provide data online and for data analysis techniques in solving problems with the Smart PLS v.4.0 application to predict the model tested in the study. The results showed that the level of knowledge as an independent variable can influence user decisions, digital financial literacy has no significant effect on user decisions, the level of knowledge has a significant effect on digital financial loyalty, digital financial literacy has no significant effect on digital financial loyalty and user decisions as a moderating variable can affect digital financial loyalty
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