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All Journal Jurnal Kompetitif Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) International Journal of Management and Business Economics Equivalent : Journal of Economic, Accounting and Management Bersama : Jurnal Pengabdian Masyarakat Jurnal EKOBIS (Kajian Ekonomi dan Bisnis) Jurnal Integritas Serasan Sekundang
Frecilia Nanda Melvani
Unknown Affiliation
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Social Sciences

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UNDERSTANDING STUDENTS’ FINANCIAL BEHAVIOR THROUGH LIFESTYLE AND OPEN INNOVATION PERSPECTIVES Dinarossi Utami; Frecilia Nanda Melvani; Anggrelia Afrida
Jurnal Ilmiah Akuntansi, Manajemen dan Ekonomi Islam (JAM-EKIS) Vol. 9 No. 1 (2026): Jurnal Ilmiah Akuntansi, Manajemen, dan Ekonomi Islam (JAM-EKIS)
Publisher : Universitas Muhammadiyah Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36085/jam-ekis.v9i1.9709

Abstract

The rapid growth of digital financial innovation has increased the complexity of financial decision-making among university students. Although financial literacy is commonly viewed as a key driver of financial behavior, prior studies report inconsistent results, indicating a persistent knowledge–behavior gap. Addressing this gap, this study examines the roles of financial attitude and lifestyle as mediating mechanisms linking financial literacy to students’ financial behavior, grounded in the Theory of Planned Behavior and an open innovation perspective. The study aims to analyze the direct and indirect effects of financial literacy on financial behavior among university students. Data were collected from 398 students across public and private universities and analyzed using PLS-SEM with SmartPLS 4. Measurement model assessment confirmed adequate reliability and validity, followed by structural model and mediation analyses. The results indicate that financial literacy has significant positive effects on financial attitude, lifestyle, and financial behavior. However, lifestyle emerges as the strongest predictor and the only significant mediator, while financial attitude does not mediate the literacy behavior relationship. These findings demonstrate that financial behavior is shaped more by daily consumption patterns than by attitudinal factors alone. This study contributes by extending TPB within an open innovation and complexity framework, emphasizing lifestyle based mechanisms as a key pathway for transforming financial knowledge into actual behavior.
Co-Authors Afrida, Anggrelia Aida Rakhmawati Dian Septianti Dina Rossi Utami Ellen Sumiarni Kusminaini Armin Meti Zuliyana Muhni Pamuji, Muhni Nyayu Khairani pascar wilmar, muamar Rindy Tara Armareta Riri Hanifa Royda Sakarina, Sari Sari Sakarina Sasiska Rani Utami, Dinarossi Venny Mayasari Veybitha, Yolanda Yoga Abdy Baihaqi Yolanda Veybitha