INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE)
Vol. 2 No. 12 (2025): SEPTEMBER

THE INFLUENCE OF DIGITAL FINANCIAL LITERACY ON STUDENT FINANCIAL BEHAVIOR IN THE DIGITAL ECONOMY ERA

Syahrial Hasanuddin Pohan (Universitas Pembangunan Pancabudi Medan, Indonesia)
Nova Yanti Maleha (STEBIS Indo Global Mandir, Indonesia)
Muhammad Naihul Author (Universitas Al Qolam, Indonesia)



Article Info

Publish Date
01 Sep 2025

Abstract

This study aims to examine the influence of digital financial literacy on students' financial behavior in the digital economy era thru a literature review approach. Digital financial literacy is defined as the ability to access, understand, and utilize technology-based financial information for sound financial decision-making. This study collected data from journal articles, books, and official reports published in the last ten years, which were then analyzed using thematic analysis and narrative synthesis methods. The study results indicate that students with high levels of digital financial literacy tend to exhibit healthy financial behaviors, such as budgeting, controlling spending, saving, and investing systematically. Conversely, low digital financial literacy is associated with consumerist behavior, impulsive buying, and low awareness of the security of personal financial data. This finding underscores the importance of digital financial literacy education and training strategies for students to cultivate sustainable financial behavior amidst the increasingly rapid advancements in financial technology.

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Journal Info

Abbrev

INJOLE

Publisher

Subject

Description

INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE) is a scientific journal that publishes articles in the Business field includes conceptual ideas in the fields of Economics, Accounting, Management, business. The scopes are Human Resource Management, Marketing Management, Financial Management, ...