DOES AI LITERACY MATTER? EXAMINING ITS MODERATING ROLE IN DIGITAL ENTREPRENEURIAL INTENTION AMONG GENERATION Z
DOI:
https://doi.org/10.29303/distribusi.v14i2.691Kata Kunci:
AI literacy, artificial intelligence, blockchain, crowdfunding, digital entrepreneurial intentionAbstrak
Rapid advancements in digital technologies such as crowdfunding, blockchain, and artificial intelligence (AI) have transformed the landscape of digital entrepreneurship, particularly among Generation Z. However, previous studies have yielded mixed results regarding the impact of these new technologies on digital entrepreneurial intention, and the role of technological literacy in strengthening this relationship has not been extensively explored in the existing literature. Therefore, this study examines the effects of crowdfunding, blockchain, and AI performance on digital entrepreneurial intention and assesses the moderating role of AI literacy. This research employs a quantitative method based on Partial Least Squares–Structural Equation Modelling (PLS-SEM). Data were collected from 425 Generation Z respondents in Indonesia using a Likert-scale questionnaire. The study results show that crowdfunding has a positive and significant effect on motivation for digital entrepreneurship. However, blockchain and AI performance did not show a significant direct effect. Moderation analysis shows that understanding AI significantly influences the relationship between blockchain and digital entrepreneurial intention. Nonetheless, knowing about AI does not greatly change how crowdfunding, blockchain, and AI performance connect with the desire to start a digital business. These results show how important digital funding platforms are for encouraging young people from Generation Z to start their own businesses. They also stress how vital it is to understand AI to make the best use of new technologies in online entrepreneurship.
Unduhan
Referensi
Al-Mamary, Y. H., Abubakar, A. A., & Jazim, F. (2025). Towards Sustainable Digital Entrepreneurship: The Mediating Role of Entrepreneurial Self-Efficacy and the Moderating Influence of Social Support. Sustainability (Switzerland), 17(23). https://doi.org/10.3390/su172310499
Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179-211. https://doi.org/10.1016/0749-5978(91)90020-T
Awal, M. R., & Chowdhury, M. S. (2024). Threat or prospect? Exploring the impact of digital entrepreneurs’ artificial intelligence perception and intention to adopt blockchain technology on the achievement of SDGs. Heliyon, 10(13). https://doi.org/10.1016/j.heliyon.2024.e33853
Apriyadi, R., & Nainggolan, F. (2023). Fintech Ecosystem as Influencer of Young Entrepreneurial Intentions. Jurnal Ilmiah Mea (Manajemen, Ekonomi, Dan Akuntansi), 7(2), 2023.
Bandura, A. (1991). Social Cognitive Theory of Self-Regulation. Organizational Behavior and Human Decision Processes, 50, 248-287. https://doi.org/10.1016/0749-5978(91)90022-L
Bimantari, A. N., & Ghofur, M. A. (2025). Pengaruh Pendidikan Kewirausahaan, Locus of Control dan Efikasi Diri Terhadap Minat Kewirausahaan Mahasiswa Dengan Pendekatan Pls-Sem. Riggs: Journal of Artificial Intelligence and Digital Business, 4(2), 6631–6636. https://doi.org/10.31004/riggs.v4i2.1736
Candy, C., & Vira, V. (2024). Financial Behavior as Key Factors Affecting Indonesian Gen-Z Entrepreneurial Intention. International Journal of Applied Business Research, 6(02), 152–172. Retrieved from https://ijabr.polban.ac.id/ijabr/article/view/363
Chin W. W. (1998). 1998ThePartialLeastSquaresApproachtoSEMchapter.
Cuandra, F., & Candy, C. (2024). Strategies and Innovations for Enhancing Sustainable Performance in SMEs During The 4.0 Digital Business Era. Jurnal Organisasi Dan Manajemen, 20(1), 1–16. https://doi.org/10.33830/jom.v20i1.6449.2024
Dabbous, A., & Boustani, N. M. (2023). Digital Explosion and Entrepreneurship Education: Impact on Promoting Entrepreneurial Intention for Business Students. Journal of Risk and Financial Management, 16(1). https://doi.org/10.3390/jrfm16010027
Dana, L. P., Crocco, E., Culasso, F., & Giacosa, E. (2024). Mapping the field of digital entrepreneurship: a topic modeling approach. International Entrepreneurship and Management Journal, 20(2), 1011–1045. https://doi.org/10.1007/s11365-023-00926-6
Deepika, D. M. R., Gunawardana, K. D., & Banda, W. (2023). Entrepreneurs’ Intention to Use Crowdfunding: Towards a Conceptual Framework of Technology Acceptance and Entrepreneurial Intention. Wayamba Journal of Management, 14(2), 33–56. https://doi.org/10.4038/wjm.v14i2.7606
Duong, C. D. (2025). AI literacy and e-entrepreneurial intention: A serial mediation model of e-entrepreneurial self-efficacy and e-entrepreneurial identity aspiration. International Journal of Information Management Data Insights, 5(2). https://doi.org/10.1016/j.jjimei.2025.100349
Faisol, Widiawati, H. S., Ramadhani, R. A., & Sumantri, B. A. (2025). The role of eco-digital learning in enhancing the impact of IoT, blockchain, and artificial intelligence on green supply chain for SME internationalization. Problems and Perspectives in Management, 23(1), 76–89. https://doi.org/10.21511/ppm.23(1).2025.06
Fossen, Frank M. and McLemore, Trevor and Sorgner, Alina, Artificial Intelligence and Entrepreneurship. Iza Discussion Paper No. 17055.
Kudelić, R., Šmaguc, T., & Robinson, S. (2025). Artificial intelligence in the service of entrepreneurial finance: knowledge structure and the foundational algorithmic paradigm. In Financial Innovation (Vol. 11, Issue 1). Springer Science and Business Media Deutschland GmbH. https://doi.org/10.1186/s40854-025-00759-y
Kumari, V., Bala, P. K., & Chakraborty, S. (2023). An Empirical Study of User Adoption of Cryptocurrency Using Blockchain Technology: Analysing Role of Success Factors like Technology Awareness and Financial Literacy. Journal of Theoretical and Applied Electronic Commerce Research, 18(3), 1580–1600. https://doi.org/10.3390/jtaer18030080
Liang, Y., Chen, R., Hong, H., Li, S., & Han, L. (2025). Shaping digital entrepreneurial intention in higher education: the role of entrepreneurship education, creativity, and digital literacy among Chinese university students. Journal of Innovation and Knowledge, 10(5). https://doi.org/10.1016/j.jik.2025.100788
Lukita, C., Hardini, M., Pranata, S., Julianingsih, D., & Santoso, N. P. L. (2023). Transformation of Entrepreneurship and Digital Technology Students in the Era of Revolution 4.0. Aptisi Transactions on Technopreneurship, 5(3), 291–304. https://doi.org/10.34306/att.v5i3.356
Magableh, K. N. Y., Kannan, S., & Hmoud, A. Y. R. (2024). Innovation Business Model: Adoption of Blockchain Technology and Big Data Analytics. Sustainability (Switzerland), 16(14). https://doi.org/10.3390/su16145921
Manggaberani, A. A., Darlis, A. M., Syaikh, A., Siddik, B., & Belitung, I. (2024). The effectiveness of Google Forms in assessing and evaluating online learning outcomes: Meta-analysis study. Indonesian Journal of Social Technology, 5(10), 4561. http://jist.publikasiindonesia.id/
Nguyen, P. N. D., & Nguyen, H. H. (2024). Examining the Role of Family in Shaping Digital Entrepreneurial Intentions in Emerging Markets. Sage Open, 14(1). https://doi.org/10.1177/21582440241239493
Nofritar, Y. M. (2025). Pengaruh Disiplin Kerja dan Motivasi Kerja terhadap Kinerja Karyawan dengan Komitmen Organisasi sebagai Variabel Intervening pada Pt. Perkebunan Lembah Bhakti. Journal of Science Education and Management Business, Volume 4 Nomor 1, 11–34. https://doi.org/https://doi.org/10.62357/joseamb.v4i1.442
Nurhalimah. s, I. S. R. U. R. (2025). Uji Validitas dan Reliabilitas. Journal of Multidisciplinary Research, Vol. 1 No. 1, 69–81.
Pham, M., Nguyen, A. T. T., Tran, D. T., Mai, T. T., & Nguyen, V. T. (2023). The impact of entrepreneurship knowledge on students’ e-entrepreneurial intention formation and the moderating role of technological innovativeness. Journal of Innovation and Entrepreneurship, 12(1). https://doi.org/10.1186/s13731-023-00351-7
Pham, S. L., Do, A. D., Ha, D. L., Trinh, M. van, Le, A. D., & Tran, T. P. H. (2025). The impact of FinTech literacy on digital entrepreneurial intentions: Exploring crowdfunding, blockchain, and AI through a social cognitive career theory lens. Entrepreneurial Business and Economics Review, 13(1), 79–94. https://doi.org/10.15678/EBER.2025.130105
Prasetiyo, A. Y. (2025). Interpretasi dan Pelaporan Hasil Analisis PLS-SEM dalam Penelitian Manajemen. Journal of Accounting, Management, Economics, and Business (analysis), 3(3), 146–158. https://doi.org/10.56855/analysis.v3i3.1684
Purusottama, A., & Kadarusman, Y. B. (2021). The essential benefits of an enterprise blockchain in business model innovation. Jurnal Ekonomi Dan Bisnis, 24(2), 189–210. https://doi.org/10.24914/jeb.v24i2.3746
Rejeb, A., Rejeb, K., Appolloni, A., Zailani, S., & Iranmanesh, M. (2025). Mapping the research landscape of blockchain and crowdfunding. In Financial Innovation (Vol. 11, Issue 1). Springer Science and Business Media Deutschland GmbH. https://doi.org/10.1186/s40854-024-00705-4
Ringle, C. M., Sarstedt, M., Sinkovics, N., & Sinkovics, R. R. (2023). A perspective on using partial least squares structural equation modelling in data articles. Data in Brief, 48. https://doi.org/10.1016/j.dib.2023.109074
Santoso, N. P. L., Hardini, M., Farail, M. F., Fitriani, A., & Vaher, K. (2025). The Application of Artificial Intelligence in HR Recruitment Strategies Impacts Startupreneur Buying Interest. Adi Bisnis Digital Interdisiplin Jurnal, 6(1), 88–98. https://doi.org/10.34306/abdi.v6i1.1233
Sitompul, P. N. (2024). Yume: Journal of Management Crowdfunding as an Alternative Financing Model: A Comparative Study of Success Factors. In Yume: Journal of Management (Vol. 7, Issue 2). https://doi.org/10.37531/yum.v7i2.7973
Solórzano, S. S., Pizarro Romero, J. M., DÃÂaz Cueva, J. G., Arias Montero, J. E., Zamora Campoverde, M. A., Lozzelli Valarezo, M. M., Montes Ninaquispe, J. C., Acosta Enriquez, B. G., & Arbulú Ballesteros, M. A. (2024). Acceptance of artificial intelligence and its effect on entrepreneurial intention in foreign trade students: a mirror analysis. Journal of Innovation and Entrepreneurship, 13(1). https://doi.org/10.1186/s13731-024-00412-5
Suryani, S., & Chaniago, H. (2023). Digital Literacy and Its Impact on Entrepreneurial Intentions: Studies on Vocational Students. International Journal of Administration Business and Organization, 4(2), 16–22. https://doi.org/10.61242/ijabo.23.261
Thalia. S, V., Purwati, A. A., Rusilawati, E., & Hamzah, Z. (2025). Digital Readiness and Social Capital in Shaping Entrepreneurial Intentions: The Mediating Role of Risk Tolerance among University Students. International Journal of Information Systems and Innovation Management (Ijisim), 3(1), 32-42. https://doi.org/10.55583/ijisim.v3i1.2052
Thuy, N. T., Trang, D. T., Tram, T., Huong, N. T. T., Linh, L. T. N., & Nguyen, P. T. T. (2025). The impact of crowdfunding and environmental support on the digital entrepreneurial intention of Vietnamese university students. 5(2), 34–41.
Veronica, D., Aurelia, V., Samantha, J., Stevani, L., & Reza Prima, I. (2025). A Descriptive Study on Job Satisfaction Drivers Among Generation Z Employees. Psimawa, 8(1), 16–28. http://jurnal.uts.ac.id/index.php/PSIMAWA
Xie, Y., & Wang, S. (2025). Generative artificial intelligence in entrepreneurship education enhances entrepreneurial intention through self-efficacy and university support. Scientific Reports, 15(1). https://doi.org/10.1038/s41598-025-09545-3
Tahir, M. Y., Shahid, M. S., & Naheed, K. (2025). The Impact of Entrepreneurial Education on Crowdfunding Intentions for Financial Inclusion in Pakistan. 5(1). https://doi.org/10.62019/abgmce
Zhang, H. X., & Chen, H. (2024). Entrepreneurship Education and Entrepreneurial Intention Among Tourism and Hotel Management Students: The Mediating Role of Entrepreneurial Self-Efficacy and the Moderating Role of Grit. Sage Open, 14(2). https://doi.org/10.1177/21582440241249119
##submission.downloads##
Diterbitkan
Cara Mengutip
Terbitan
Bagian
Lisensi
Hak Cipta (c) 2026 Candy Candy, Kristine Gladis Feby, Cuandra Fendy
Artikel ini berlisensiCreative Commons Attribution-ShareAlike 4.0 International License.
Penulis yang mengirimkan naskah harus memahami dan menyetujui bahwa jika diterima untuk dipublikasikan, hak cipta dari artikel adalah milik Distribusi. Hak cipta (copyright) meliputi hak eksklusif untuk mereproduksi dan memberikan artikel dalam semua bentuk dan media, termasuk cetak ulang, foto, mikrofilm dan setiap reproduksi lain yang sejenis, serta terjemahan. Distribusi, Fakultas Ekonomi dan Bisnis Universitas Mataram, dan Editor melakukan segala upaya untuk memastikan bahwa tidak ada data, pendapat atau pernyataan yang salah atau menyesatkan yang dipublikasikan di jurnal ini. Isi artikel yang diterbitkan di Distribusi adalah tanggung jawab tunggal dan eksklusif dari masing-masing penulis.
