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This Author published in this journals
All Journal Indonesian Journal of Economics and Management
Siti Maryam
Politeknik Negeri Bandung
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Digital Transformation In Finance: The Impact Of Digital Financial Literacy On Financial Well-Being Through Customer Financial Behavior Sumiati; Siti Maryam
Indonesian Journal of Economics and Management Vol. 6 No. 2 (2026): Indonesian Journal of Economics and Management (March 2026)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ijem.v6i2.7211

Abstract

Financial well-being can be achieved through various factors, including having good financial literacy and efficient financial behavior. This study aims to analyze the effect of financial literacy on financial well-being both directly and through financial behavior as a mediating variable. This research uses a quantitative approach with a survey method, where data is collected through questionnaires distributed to 50 respondents in Greater Bandung. The data analysis technique used is Structural Equation Modeling (SEM) based on Partial Least Squares (PLS). The results show that financial literacy has no direct effect on financial well-being. Meanwhile, financial behavior is proven to have a positive and significant effect on financial well-being. Then, financial literacy through financial behavior has a positive and significant effect on financial well-being.
Co-Authors Sumiati