<![CDATA[Financial management behavior plays an essential role in students' lives, particularly in the face of evolving technology and modern lifestyle dynamics. This research investigates how Financial Technology, a hedonistic lifestyle, and peer influence affect the financial management behavior of accounting students at universities in Surabaya. Employing a quantitative approach with an explanatory research design, the study involved a sample of 370 accounting students chosen through purposive sampling. The data were analyzed using multiple linear regression with SPSS version 26. The findings reveal that Financial Technology exerts a positive and significant impact on students’ financial management behavior. In contrast, a hedonistic lifestyle demonstrates a significant negative impact, while peer groups contribute a positive and significant effect. Collectively, these three variables significantly influence the financial management behavior of accounting students.]]>
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