The Influence Of Financial Technology Payment And Financial Literacy On The Financial Behavior Of Students At ITEBIS PGRI Dewantara Jombang
DOI:
https://doi.org/10.29407/bwd4h022Abstract
Research aim : This research aims to analyze the influence of Financial Technology Payment and Financial Literacy on the Financial Behavior of ITEBIS PGRI Dewantara Jombang Students.
Design/Method/Approach : This research uses a quantitative approach with explanatory types and verifiable methods. The population in this study amounted to 1,295 active students of ITEBIS PGRI Dewantara Jombang. The sampling technique used probability sampling using the proportionate stratified random sampling method, with a sample of 93 respondents. Data analysis techniques using multiple linear regression with IBM SPSS 24 software.
Research Finding : The results of this research show that Financial Technology Payment has a positive but insignificant effect on Financial Behavior, while Financial Literacy has a positive and significant effect on Financial Behavior.
Theoretical contribution/Originality : This research can be a reference and reference for future researchers who are interested in researching similar topics, regarding the relationship between financial technology payment and financial literacy to financial behavior.
Practitionel/Policy implication : This research is expected to help increase student awareness in financial literacy and the wise use of fintech, become a reference for fintech providers in developing features to support healthy financial behavior, as well as a consideration for the government in formulating financial literacy policies and supervision of fintech services that are inclusive and sustainable.
Research limitation : This research focuses on analyzing how financial technology payment and financial literacy affect the financial behavior of ITEBIS PGRI Dewantara Jombang students.
Keywords:
Financial Technology Payment, Financial Literacy, Financial BehaviorDownloads
References
[1] GoodStats. E-wallet jadi metode pembayaran digital favorit 2025 [Internet]. 2025 Jul 25 [cited 2026 Apr 2]. Available from: https://data.goodstats.id/statistic/e-wallet-jadi-metode-pembayaran-digital-favorit-2025-V6gYH
[2] Dew JP, Xiao JJ. The financial management behavior scale: Development and validation. J Financ Couns Plan. 2011;22(1):19–35. Available from: https://scholarsarchive.byu.edu/facpub/4521
[3] Kamilah F, Khairani Z, Soviyanti E. Pengaruh fintech payment dan literasi keuangan terhadap perilaku manajemen keuangan mahasiswa akuntansi Universitas Lancang Kuning. J Daya Saing. 2024;10(2):334–339.
[4] Dianti AP, et al. Analisis faktor yang mempengaruhi perilaku manajemen keuangan mahasiswa. J Ilm Manaj Bisnis Ekon Kreat. 2024;2(2):59–70. doi:10.26877/jibeka.v2i2.289.
[5] Sitorus TR, Manurung EM. Analisis faktor-faktor yang mempengaruhi minat penggunaan fintech payment. J Manaj Keuang. 2022;11(1):58–70.
[6] Kim Y, Choi J, Park YJ, Yeon J. The adoption of mobile payment services for fintech. Int J Appl Eng Res. 2016;11(2):1058–1061. Available from: https://www.researchgate.net/publication/298714824_The_adoption_of_mobile_payment_services_for_fintech
[7] Lusardi A, Mitchell OS. The economic importance of financial literacy: Theory and evidence. J Econ Lit. 2014;52(1):5–44. doi:10.1257/jel.52.1.5
[8] Adhliana S, et al. Literasi keuangan, efikasi keuangan, dan pengalaman keuangan terhadap perilaku manajemen keuangan pengguna SPayLater DKI Jakarta. J Adm Prof. 2022;3(2):25–35. doi:10.32722/jap.v3i2.5133.
[9] Chen H, Volpe RP. An analysis of personal financial literacy among college students. Financ Serv Rev. 1998;7(2):107–128. doi:10.1016/S1057-0810(99)80006-7.
[10] Yanti RD, Suryadi E. The influence of financial literacy, financial self-efficacy and fintech payment on the financial behavior of QRIS users. Int J Sci Soc. 2024;6(1). Available from: http://ijsoc.goacademica.com
[11] Mawarni LE, Susanti A. Pengaruh literasi keuangan, financial self-efficacy, locus of control, dan fintech payment terhadap perilaku manajemen keuangan mahasiswa di Soloraya. J Ilm Manaj Ekon Akunt. 2025;5(2):143–157. doi:10.55606/jurimea.v5i2.923.
[12] Seleky R. The effect of fintech payment and financial literacy on financial behaviour of students of the Faculty of Economics and Business, Management Department, Class 2021, Pattimura University, Ambon. Int J Sustain Res. 2025;3(3):173–182. doi:10.59890/ijsr.v3i3.33.
[13] Jennifer J, Widoatmodjo S. The influence of financial knowledge, financial literacy, and financial technology on financial management behavior among young adults. Int J Appl Econ Bus. 2023;1(1):344–353. doi:10.24912/ijaeb.v1i1.344-353.
[14] Apriani A, Zoraya I, Afandy C. The effect of fintech payment, lifestyle, and financial knowledge on financial management behavior on students of the University of Bengkulu. In: Proc BICEMBA. 2023. doi:10.2991/978-94-6463-328-3.
[15] Sumantri MBA, Mukhlis TI, Susanti N, Padmanegara OH, Yanida P, Widajatun VW. The influence of financial literacy and financial attitude on financial management behavior. J Econ Bus. 2024;7(1). doi:10.31014/aior.1992.07.01.569.
[16] Adhliana S, et al. Literasi keuangan, efikasi keuangan, dan pengalaman keuangan terhadap perilaku manajemen keuangan pengguna SPayLater DKI Jakarta. J Adm Prof. 2022;3(2):25–35. doi:10.32722/jap.v3i2.5133.
[17] Otoritas Jasa Keuangan, Badan Pusat Statistik. Siaran pers bersama: Indeks literasi dan inklusi keuangan masyarakat meningkat, OJK dan BPS umumkan hasil survei nasional literasi dan inklusi keuangan (SNLIK) tahun 2025 [Internet]. 2025 [cited 2026 Apr 2]. Available from: https://ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Pages/OJK-dan-BPS-Umumkan-Hasil-Survei-Nasional-Literasi-Dan-Inklusi-Keuangan-SNLIK-Tahun-2025.aspx
[18] Sugiyono. Metode penelitian kuantitatif, kualitatif, dan R&D. Bandung: Alfabeta; 2023. ISBN: 978-623-01-1093-6.
[19] Laili T, Maulida A, Sari PP. Pengaruh literasi keuangan, pendapatan dan penggunaan financial technology (fintech) payment terhadap perilaku keuangan. J Manaj Terap Keuang. 2025. Available from: https://onlinejournal.unja.ac.id/mankeu/article/view/45166
[20] Abdallah W, Tfaily F, Harraf A. The impact of digital financial literacy on financial behavior: customers’ perspective. Compet Rev. 2025;35(2):347–370. doi:10.1108/CR-11-2023-0297.
[21] Arikunto S. Prosedur penelitian: suatu pendekatan praktik. Jakarta: Rineka Cipta; 2013. ISBN: 978-979-518-998-4.
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Inelys Junisa Salwa Prawita, Novita Mardiani
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
