<![CDATA[This study aims to analyze the use of digital payments and its influence on the strategies and financial management skills of students of the Faculty of Economics and Business, Management Study Program, State University of Makassar. The study used a quantitative approach with an explanatory survey method of 19 respondents who were selected purposively through an online questionnaire. Data analysis was carried out using descriptive statistics, correlation tests, and multiple linear regression. The results showed that the level of use of digital payments by students was in the high category, but did not have a significant effect on financial management skills. On the other hand, financial management strategies have a positive and significant effect on students' financial management skills. These findings show that the use of digital payments does not necessarily improve financial management capabilities without being supported by an adequate financial management strategy, so strengthening financial management strategies and financial literacy is an important aspect in the optimal use of digital payments.]]>
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