<![CDATA[General Background: Financial behavior among Generation Z students is closely related to financial literacy and the use of financial technology in an increasingly digital financial environment. Specific Background: Students of the Accounting Study Program at Universitas Muhammadiyah Sidoarjo use financial technology while managing personal finances, with peers representing an important social context. Knowledge Gap: Previous studies have reported inconsistent findings regarding financial literacy and financial technology in relation to financial behavior, while studies specifically examining peers as a moderating variable remain limited. Aims: This study examines the relationships of financial literacy and financial technology with financial behavior and analyzes the moderating role of peers among Generation Z accounting students. Results: Using a quantitative causal-associative design, data were obtained from 155 respondents selected from a population of 642 students through simple random sampling. Data were analyzed using Partial Least Squares Structural Equation Modeling with SmartPLS 3.0. Financial literacy and financial technology show positive and significant relationships with financial behavior. . Novelty: The study examines peers as a moderating variable in both relationships within Generation Z accounting students. Implications: The findings provide consideration for students, universities, and financial technology service providers in supporting wiser and sustainable financial behavior. Key Findings Highlights Both main predictors show positive and significant relationships with the outcome variable. The social environment weakens the first relationship between the predictor and the outcome. The social environment strengthens the second relationship between the predictor and the outcome. Keywords : Financial Literacy, Financial Technology, Financial Behavior, Generation Z Students, Peer Moderation]]>
