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Susanti
Universitas Negeri Surabaya
Humanities Education Social Sciences

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The Impact of Financial Inclusion, Fintech Adoption, and Frugal Living on the Financial Behavior of GenBI Students Rifda Finastri; Susanti
Journal of Educational Management Research Vol. 5 No. 4 (2026)
Publisher : Al-Qalam Institue

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/jemr.v5i4.2594

Abstract

This study aims to examine the influence of financial inclusion, financial technology (fintech) usage, and frugal living on the financial behavior of GenBI students, particularly in shaping saving behavior. A quantitative causal research design was applied using the Partial Least Squares Structural Equation Modeling (PLS-SEM) approach. The sample consisted of 242 respondents selected through probability sampling, and data were collected using structured questionnaires with a five-point Likert scale. The results show that financial inclusion, fintech usage, and frugal living each have a positive and significant effect on financial behavior. In addition, all variables collectively have a significant influence on students’ saving behavior. Among the three predictors, financial inclusion emerges as the most dominant factor, followed by fintech usage and frugal living. These findings confirm that financial behavior is shaped by a combination of access to financial services, digital financial literacy, and lifestyle discipline rather than a single determinant. The implications of this study suggest that strengthening financial education, expanding digital financial literacy, and encouraging responsible consumption behavior are essential to improving students’ financial management.
Developing RekonX-AR: An Interactive Augmented Reality Learning Media for Bank Reconciliation in Vocational Accounting Education Aulia Zein Nur Arifah; Susanti
Journal of Educational Management Research Vol. 5 No. 4 (2026)
Publisher : Al-Qalam Institue

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/jemr.v5i4.2619

Abstract

This study aims to develop and evaluate the feasibility of RekonX-AR, an interactive learning media integrating Smart Apps Creator 3 and Assemblr Edu to facilitate students’ understanding of bank reconciliation. The development was motivated by the limited use of technology-integrated learning media and the complexity of bank reconciliation concepts, which require more interactive and contextual visualization to enhance conceptual understanding. This study employed a Research and Development (R&D) approach using the ADDIE model, consisting of Analysis, Design, Development, Implementation, and Evaluation. The resulting product is an application-based learning medium integrated with Augmented Reality (AR), featuring learning materials, instructional videos, AR-based simulations, case studies, formative quizzes, and reflection activities. The findings indicate that RekonX-AR achieved a high level of feasibility, with material expert validation reaching 92% and media expert validation 98%, both categorized as Very Feasible. A limited trial involving Grade XI accounting students also demonstrated a positive response of 91%, classified as Very Good, indicating that the product is practical and well accepted by users. These findings imply that RekonX-AR can serve as an innovative technology-enhanced learning medium to support interactive learning, strengthen conceptual understanding, and improve students' learning engagement in accounting education.
Co-Authors Aulia Zein Nur Arifah Rifda Finastri