<![CDATA[This study aims to analyze the influence of financial knowledge (FK), financial behavior (FB), and digital skills (DS) on digital financial literacy (DFL) among high school students at SMA Negeri 4 Jakarta. Using a quantitative approach with a cross-sectional survey, the study tested four hypotheses through Partial Least Squares Structural Equation Modeling (PLS-SEM). The results revealed that financial knowledge significantly affects digital financial literacy directly and has an indirect impact through digital skills. However, financial behavior did not have a statistically significant effect on students’ digital financial literacy. Digital skills were found to have a significant positive effect on digital financial literacy. The study emphasizes the importance of digital skills in enhancing financial literacy within the context of the digital economy. This study offers a novel empirical contribution by proposing a digital financial literacy model for high school students in Indonesia that highlights digital skills as a key mechanism while revealing the limited role of financial behavior at this educational level.]]>
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