The purpose of this study was to analyze the effect of financial literacy and financial technology toward the financial behavior. This type of research is explanatory research using a sample of 389 undergraduate students at UIN Maulana Malik Ibrahim Malang from the 2018-2021 class. We collected data through an online questionnaire (google form) and analyzed it using SEM-PLS with the help of SmartPLS 3 software. The results indicates that financial literacy had a positive significant effect on student financial behavior and financial technology had a negative and significant effect on student financial behavior.
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