<![CDATA[This study aims to examine the influence of cross-cultural adaptability and financial socialization on financial behavior, with financial literacy as a mediating variable. The research addresses the growing need for financial competence among individuals navigating diverse cultural and financial contexts during international exchange experiences. A quantitative, cross-sectional approach was employed, collecting data through an online questionnaire from Global UGRAD alumni representing multiple countries. Partial Least Squares Structural Equation Modeling (PLS-SEM) was used to analyze the relationships among variables. Financial literacy was measured as a multidimensional construct encompassing financial knowledge, attitudes, and skills, while financial behavior was operationalized through budgeting, saving, and responsible financial practices. The results indicate that both cross-cultural adaptability and financial socialization have significant positive effects on financial behavior. Financial literacy partially mediates these relationships, highlighting its role as a critical mechanism linking social and cognitive learning processes to financial outcomes. The findings suggest that developing adaptive capacity and promoting socialized financial learning can enhance responsible financial behavior among international students. Practically, these insights emphasize the importance of integrating structured financial education and cross-cultural training into international exchange programs to foster financial resilience, informed decision-making, and long-term well-being.]]>
Copyrights © 2026
