<![CDATA[Despite the fact that tremendous opportunities for online business have been made available as a result of the rapid development of technology, student participation is still extremely low. This study aims to analyze the effect of financial literacy, digital creativity, and technology-based learning on the readiness of students at the Faculty of Economics and Business, Universitas Negeri Yogyakarta, in managing online businesses using a mixed-methods approach with an explanatory sequential design. The quantitative phase involved 348 respondents selected from a population of 2,628 students from the 2021–2023 cohorts through proportionate stratified random sampling and was analyzed using multiple regression with SPSS 27.0. The qualitative phase was conducted to clarify and provide deeper insights into the quantitative results. The findings reveal that financial literacy (t = 5.946, p < 0.05) and digital creativity (t = 7.708, p < 0.05) have a significant and positive influence on student readiness, whereas technology-based learning shows no significant effect (p = 0.212). Together, the three variables contribute 44% to student readiness, while other factors beyond this model influence 56%. The qualitative analysis emphasizes that financial literacy strengthens decision-making, while digital creativity fosters innovation; however, technology-based learning is still perceived as less applicable. These findings underscore the importance of financial literacy and digital creativity in equipping students to manage online businesses, while the effectiveness of technology-based learning requires further evaluation to enhance its impact]]>
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