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Rumianti, Chaerunnisa
STIEM Bongaya Makassar
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Digital Financial Literacy and Financial Behavior of Millennials: Empirical Findings from Makassar City Rumianti, Chaerunnisa; Launtu, Ansir
Journal of Economics and Management Vol. 4 No. 1 (2026): Journal of Economics and Management, March 2026
Publisher : Lembaga Publikasi Ilmiah Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70716/ecoma.v4i1.431

Abstract

Advances in financial technology have changed how financial services and products are accessed and delivered, significantly influencing the financial behavior of millennials. This study examines the influence of digital financial literacy on millennials' financial behavior in Makassar City, Indonesia. Using a quantitative approach, data were collected via an electronic questionnaire distributed on social media platforms such as LinkedIn and Facebook. Six hundred ten valid responses were analyzed using Structural Equation Modeling (SEM) to examine the relationships among variables. The results show that all dimensions of digital financial literacy, namely digital knowledge, digital experience, digital skills, and digital awareness, positively and significantly influence financial behavior. Digital financial literacy equips millennials with the knowledge and skills to make informed financial decisions, access online financial tools, and manage their financial resources effectively. This study contributes to the literature on digital financial literacy in developing countries and offers strategic recommendations for policymakers, educators, and financial institutions to empower millennials in the digital era.
Co-Authors A. Tenriola Abdul Gaffar Abdul Mansyur Mus Ahmad Anto Aktri Sutrayani. A Anas, Muhammad Irfandi Azlineer Sarip Bungatang Bungatang Chery T, Yoshia Dahniar Daud Daud, Dahniyar Djamila Saleh Djamilah Saleh Eldi Eldi Erniwati Madya Fernandes, Carlos Firdaus Yuni Dharta Landa, Angelitha Natalia LAUNTU, ANSIR Linthin, Olivia Nura Luciana Kanji M. Rusli Djunaid M.Syafruddin Madani, Syahdila Mansyur Tanra Merci Merci Miftahul Jannah MS, Zainuddin Muh Amar Alikhsan Muh. Ma’ruf Idris Muhammad Aqil Muhammad Tafsir Musran Munizu Mustafa Gani Nur Syamsu Nurfaidah Nurhasanah Nurhasanah Nurlaely Nurlaely Putri, Amelia Sahidah Sahidah Shu, Efin Sjahruddin, Herman Sohilauw, Muhammad Irfai Syamsul Alam Yana Fajriah Yemima A Palupessy