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All Journal International Journal of Applied Finance and Business Studies
Ovaldus Lamput
Sekolah Tinggi Ilmu Ekonomi YAPAN, Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The effect of financial literacy and financial technology on students’ financial behavior, with self-control as a moderating variable Ovaldus Lamput; Fida Oktafiani
International Journal of Applied Finance and Business Studies Vol. 14 No. 1 (2026): June: Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v14i1.503

Abstract

The purpose of this study is to determine how financial literacy and financial technology influence students’ financial behavior. In addition, this study examines whether the psychological factor of self-control affects the interaction between financial literacy, financial technology, and students’ financial behavior. This study uses primary data gathered via a questionnaire and takes a quantitative approach. The sampling technique applied in this study is purposive sampling, involving 98 student respondents. The data were analyzed using IBM SPSS Statistics through the Moderated Regression Analysis (MRA) method. Based on the analysis of the processed data, the results indicate that the independent variables financial literacy and financial technology have a positive and significant effect on the dependent variable, which is students’ financial behavior. Meanwhile, the psychological factor of self-control does not influence the interaction between the independent and dependent variables.
Co-Authors Fida Oktafiani