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All Journal Jurnal Ilmiah Ekonomi dan Bisnis Kurs : Jurnal Akuntansi, Kewirausahaan dan Bisnis Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Aktiva : Riset Akutansi dan Keuangan Jurnal IAKP: Jurnal Inovasi Akuntansi Keuangan & Perpajakan Jurnal Ekonomi, Manajemen, Akuntansi Jurnal Pengabdian Kepada Masyarakat Indonesia
Ika Wulandari
Politeknik LP3I
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Health Professions Public Health Social Sciences

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Analysis of Accounting Literacy, Financial Literacy, and Payment Fintech on The Financial Behavior of University Students in Riau Province Ika Wulandari; Revita Dwi Aviani Pagiling; Revoluance Adimuntja; Surya Anggraeni Sayitno; Alvyonitha Ratu Ramba
Jurnal Ilmiah Ekonomi Dan Bisnis Vol. 23 No. 2 (2026): JIEB
Publisher : Universitas Lancang Kuning

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31849/6eyv9h93

Abstract

The research is motivated by the rising use of financial technology among university students, a trend not always accompanied by adequate financial literacy, financial management skills. Previous studies indicate that financial literacy, fintech can influence financial behavior, although findings remain mixed. Research integrating accounting literacy, financial literacy, and payment fintech particularly among students in Riau Province remains limited. The research uses quantitative approach using descriptive research design. The research obtained primary data from questionnaires administered to 100 students. Data analysis involved validity, reliability tests, multiple linear regression, F-tests, t-tests. Findings show that accounting literacy, financial literacy, and payment fintech positive, a statistically significant partial effect on students’ financial behavior. The three factors collectively exert positive significant influence on financial behavior. The coefficient of determination was 45.2% indicates that accounting literacy, financial literacy, and payment fintech explain 45.2% of variation in students' financial behavior, with the remainder explained by other factors. Empirical evidence regarding the integration of accounting, finance, payment technology knowledge sheds light on financial behavior. In terms of practical implications, the research findings support strengthening education on accounting and financial literacy, as well as the prudent use of payment fintech.
Co-Authors Afrina Oktoberia Alvyonitha Ratu Ramba Bagus Hari Sugiharto Charisma Kuriata Ginting Suka Delfian Zaman Desfita Eka Putri Dora Amelya Elisabet Nofriauani Saragih Erna Sudarmawanti Fauzi Harry Patuan Panjaitan Leni Rahmayana Mar'ati, Fudji Sri Mohd. Ideal Kurniawan Mohd.Ideal Kurniawan Nurhanimah Putri E. I Revita Dwi Aviani Pagiling Revoluance Adimuntja Roshiful Qolbi Sahlia Rambe Suharti Suharti Surya Anggraeni Sayitno Yumniati Agustina