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All Journal International Journal of Financial and Investment Studies
Clarence, Johann
Unknown Affiliation
Economics, Econometrics & Finance

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FINANCIAL MANAGEMENT BEHAVIOR AMONG STUDENTS: THE INFLUENCE OF DIGITAL FINANCIAL LITERACY Clarence, Johann; Pertiwi, Dewi
International Journal of Financial and Investment Studies (IJFIS) Vol 4 No 1 (2023): APRIL 2023
Publisher : Petra Christian University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.9744/ijfis.4.1.9-16

Abstract

The goal of this study is to investigate how digital financial literacy affects the financial management behavior of students who use digital banking services in Surabaya. Primary data were obtained from questionnaires distributed to students in Surabaya. Using the SmartPLS 4 program, the partial least square structural equation modeling (PLS-SEM) technique was employed for data analysis in this study. The findings of this study indicate that students in Surabaya who utilize digital banking services have a substantial impact on their saving behavior when they are financially literate, digital financial literacy has a significant effect on the spending behavior of students who use digital bank services in Surabaya, digital financial literacy has a significant effect on investment behavior of students who use digital bank services in Surabaya. In short, this research can contribute to helping students in Surabaya to deepen their understanding of digital financial literacy.
Co-Authors Dewi Pertiwi