Julianti Efris Saputri
Universitas Adiwangsa Jambi, Indonesia

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The Effect of Financial Technology, Financial Literacy, Economic Conditions, and Student Income on the Financial Behavior of Accounting Students Ade Hermansyah; Julianti Efris Saputri; Liona Efrina
International Journal of Economics, Business and Innovation Research Vol. 5 No. 05 (2026): International Journal of Economics, Business and Innovation Research( IJEBIR)
Publisher : Cita konsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijebir.v5i05.6532

Abstract

This study examines the effect of financial technology, financial literacy, economic conditions, and student income on the financial behavior of accounting students. A quantitative approach was employed using 71 respondents selected through purposive sampling. Data were collected through questionnaires and analyzed using multiple linear regression. The results indicate that partially economic conditions and student income significantly affect financial behavior, while financial literacy and financial technology do not. Simultaneously, all variables do not significantly affect financial behavior. The coefficient of determination of 7.5 percent indicates that many other factors outside the model influence students' financial behavior.