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Zulfadhli Rusli
Department of Economics Education, Universitas Syiah Kuala, Banda Aceh, Indonesia
Education

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The Influence of Financial Technology (Fintech) and Financial Literacy on the Financial Behavior of Economics Education Students Fathia Izzaty; Nazaruddin Ali Basyah; Achmad Mustofa; Zulfadhli Rusli; Aidil Akbar
Journal of Innovation in Educational and Cultural Research Vol 8, No 1 (2027): Article in Press
Publisher : Yayasan Keluarga Guru Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46843/jiecr.v8i1.3187

Abstract

The development of fintech has changed people's financial transaction patterns, including among students. This condition requires adequate financial literacy skills so that financial behavior can be managed wisely and responsibly. This study aims to determine the effect of fintech and financial literacy on the financial behavior of Economics Education students. This study uses a quantitative, descriptive research approach. The population consisted of 240 Economics Education students from the 2022–2024 intake. This study used proportionate stratified random sampling, with a sample of 71 students obtained using the Slovin formula. Data collection methods included library research and field research. The study used classical assumption testing, multiple linear regression analysis, and hypothesis testing. The results showed that fintech did not affect students' financial behavior. Financial literacy significantly influences students' financial behavior. There is a significant influence of fintech and financial literacy on students' financial behavior, while the rest is influenced by other variables outside the study.
Co-Authors Achmad Mustofa Aidil Akbar Fathia Izzaty Nazaruddin Ali Basyah