<![CDATA[Purpose – This study aims to analyze the effects of financial technology, financial attitudes, and financial literacy on the financial management behavior of undergraduate students at Universitas Brawijaya. Design/methodology/approach – This quantitative study uses a multiple linear regression approach. Primary data were collected through closed-ended questionnaires measured on a five-point Likert scale. The sample consists of 100 undergraduate students from the 2021 and 2022 cohorts of Universitas Brawijaya, aged 17–25 years, who had used at least two financial technology products. Findings – The results indicate that financial technology, financial attitudes, and financial literacy each have a positive effect on students’ financial management behavior. These findings suggest that greater financial literacy, positive financial attitudes, and the prudent use of financial technology promote healthier financial management practices. Originality/value – This study integrates technological, behavioral, and financial knowledge factors to explain financial management behavior among university students, providing insights for financial education and digital financial service development.]]>
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