The Influence of Financial Literacy, E-Service Quality, and Brand Reputation on Digital Financial Trust Among Wealth Management Platform Users

Abstract

This study aims to examine the effect of financial literacy, e-service quality and brand image on digital financial confidence of wealth management platform customers. Quantitative methods were used. The research method applied is the survey method with the research subject is a user of the wealth management platform in Indonesia. We used purposive sampling to select respondents who have expertise in using these platforms for investing or managing financial assets and portfolios. Data were collected through online surveys using Google Forms and analyzed using multiple linear regression. The results indicate that financial literacy, e-service quality, and brand image have a positive and significant impact on digital financial trust. This makes credibility, honesty, track record and good impression of the platform provider more important for developing user confidence in digital wealth management services. The findings indicate that banks ought to improve the financial literacy of users, enhance the quality of e-services and maintain the brand image over time in an effort to promote trust and develop long term relationships with customers.